When to pay my credit card bill

[Chotu]

I got my first credit card against FD of PNB, it’s bill generation date is 15th of every month and payment date is 6th of next month, so ideally when should I pay the bill. I want to build good credit score

 

[TaxWiser]

I got my first credit card against FD of PNB, it’s bill generation date is 15th of every month and payment date is 6th of next month, so ideally when should I pay the bill. I want to build good credit score

Congrats

To ensure timely payment and avoid any processing delays, it’s best to pay your credit card bill at least 72 hours before the due date. But for extra peace of mind, consider making the payment by the end of the month or at least a week in advance.

For a strong credit score, try to keep your credit utilization below 25%—ideally between 3-9% for the best results. If you ever need to use more than 30% of your credit limit, simply pay the excess amount before your bill is generated. This way, you can better manage large purchases without affecting your score. Also, space out credit inquiries wisely—whether you're applying for a new loan or credit card, keeping at least a six-month gap between applications can help protect your creditworthiness.

 

[Chotu]

Congrats

To ensure timely payment and avoid any processing delays, it’s best to pay your credit card bill at least 72 hours before the due date. But for extra peace of mind, consider making the payment by the end of the month or at least a week in advance.

For a strong credit score, try to keep your credit utilization below 25%—ideally between 3-9% for the best results. If you ever need to use more than 30% of your credit limit, simply pay the excess amount before your bill is generated. This way, you can better manage large purchases without affecting your score. Also, space out credit inquiries wisely—whether you're applying for a new loan or credit card, keeping at least a six-month gap between applications can help protect your creditworthiness.

Thanks a lot