<prompt> Human: My husband and I recently paid off our credit cards and are very excited about our credit score going up. With that being said, we know that 0 credit used can look bad and even lower your score, so we were thinking about using one card to pay a bill or two a month and then we were going to pay that off every month as well. We want the credit bureaus to report some use of the card, but also want to avoid as much interest as possible. Is there a sweet spot in the month to pay your bill or is it a guessing game all the way around?  <response>: after the statement comes in the mail anda few days before the statement due date 