<prompt> Human: Hello PF. Ive got a question about how exactly I should be using my credit card. I have read through the FAQ, as well as googled this same question but cant seem to get a solid answer. I have a low interest 500 line of credit through my bank. My cycle closes on the 14th of each month, and my payment is due on the 11th. I always pay 2 of my bills every month adding up to about 90, making my utilization around 18.Lets say I start the first day of my cycle the 15th of October with a balance of 0. By the 1st of November my balance is 90 from the 2 bills I paid. Should I pay 90 on November 11th giving me a balance of 0 when my cycle ends and my statement comes out on November 14th? If I do this will my credit score benefit from it?Assistant: You should wait until the statement is generated and shows your 90 as the statement balance due before paying. Then pay that balance before the due date.The statement balance is what is reported to the credit agencies, so if you pay it off before the statement is generated, it will not look like you use the card at all.Human: But if I wait until there is a 90 balance on my statement wont I need to pay interest on it? And dont most people say the ideal thing to do when having a credit card is to not pay any interest at all?  <response>: You only pay interest if you carry a balance after the due date for that months payment. 