<prompt> Human: Hi all,Please bear with me, as this question is frequently asked, but there is one aspect that I just cannot find the answer to. Say my statements are issued on the 15th of each month and I have a 5,000 limit. I understand that it is best to pay off the statement in full after you receive it, but I also understand that it is best to have 30 or less credit utilization rate. So, lets say that on January 15th, I have a statement saying that my amount due is 500. I pay that off on January 16th or 17th, no problem. But, lets say that on February 4th, I have a balance of 3,000, which would result in 3,000 plus any other purchases between February 4th and 15th, a 60 utilization rate, on the February 15th statement. Should I pay off the balance down to about 1,000 or so before my February 15th statement, or wait until the statement comes, and pay the full 3,000 on February 16th or 17th? I hope this makes sense, as I have heard so many conflicting things on this, and I havent been able to find an answer to this particular question.Thank you!  <response>: Stop worrying about credit utilization. If you are paying your bills off in full, every month, no exceptions by the statement due date you are using your credit card correctly, and your score will gradually improve. 