<prompt> Human: So Ive been paying my card in full before closing date which of course shows that my balance is 0 when I receive my statement. However Ive been seeing threads that say I should actually wait for my balance to post until I pay in full.If I pay it all off before closing date, would that be the same as having my utilization at 0?  <response>: Past balance arent factored into your credit scores so unless youre going to apply for credit in the next few weeks then dont worry about it. Waiting until you get the statement and then paying the full balance by the due date is fine.However if youre tracking your credit scores and all your cards report a 0 balance your score will be lower than if you let one card report a small balance. No harm in doing a little experiment and seeing how your scores react if you let a small balance report. Just make sure to pay the full statement balance by the due date to avoid interest. 