<prompt> Human: Say my bill is due each month on the 14th. The billing cycle is 28 days from the 18 to the 17th. When should I be spending on the credit card and when should I be paying it off?  <response>: Between the statement date and the due date. Once the bill is prepared, you can pay. They will use the numbers from the bill to send to the credit bureaus as far as I am aware. Utilization doesnt have long term memory so unless youre planning on applying for a loan or a new card, just pay off monthly. If you will be applying for a new card or loan, for 2 months before be sure to use only 1-20 of your limit at the time the statement is prepared. Its the best range per the image: 