<prompt> Human: To keep it short, I want to squash a 8K Amex Everyday Card balance.. I have read on this chain that it can help your credit by zeroing out your card or pay-in-full. My next payment is due on the 27th of March min 116 . Not sure how they report to the credit agencies? What would be the best time this month to squash the balance to register the maximum effect with the credit agencies? If I zero it out now, I will also use it for the rest if the month, will that effect the max credit boost? So my guess is -On due date, 27th?Thx all.  <response>: Pay your statement balance in full by the due date on your bill. Theres no need to complicate things by changing due dates or amounts paid or using all these credit buzzwords... 