Credit Card Payment

[rancho]

Hey everyone, Rachit here.
I have recently started using a credit card and wanted to know what is the best day to pay my bill.
I came here after watching several videos on this topic and most of them suggest to pay it off before banks report it to the credit bureau.
The question is, if I were to pay the entire amount before my bank sends the data to the bureau, won't that make my credit utilization 0 on the said date?
And if I were to use the calculator put forward by Bekifaayati, wouldn't that decrease my credit score calculation in the credit utilization section?
Regards

 

[hitirfan]

Hey everyone, Rachit here.
I have recently started using a credit card and wanted to know what is the best day to pay my bill.
I came here after watching several videos on this topic and most of them suggest to pay it off before banks report it to the credit bureau.
The question is, if I were to pay the entire amount before my bank sends the data to the bureau, won't that make my credit utilization 0 on the said date?
And if I were to use the calculator put forward by Bekifaayati, wouldn't that decrease my credit score calculation in the credit utilization section?
Regards

0 CUR is good. Banks report the amount utilized and the balance, showing how much you have paid. You can try to keep some balance and check how does.