<prompt> Human: Hey I have a BOFA rewards account and honestly have no clue when to pay off my card. I usually put money into it every pay check and try to make sure that my statement is at 0.My next due date is 1004.Should I pay it before that or after? Im so confused.. I get my statements on the 7th of each month!EDIT THANK YOU FOR BEING PATIENT WITH ME!  <response>: Theres a lot of... weird advice going on in here.Lets consider the following scenario:You get a new credit card 11. You use it over the course of the month, accruing 1000 of purchases.You continue to use your credit card between 21 and 215, spending 500 more.Now its 215 and your credit card balance is at 1500.On 215 you receive a bill that says you owe use 1000 by 31. Thats your statement. That statement covers the purchases made between 11 and 21.You continue using your card between 215 and 31, but you use it a little more than usual and rack up 750 in charges.31 rolls around. Your account balance is at 2250. You pay your 1000 to the CC company because thats what the statement said to do. Now your balance is at 1250.You fall into a coma and dont make any spending between 31 and 315, but you get your next statement on 315 saying you owe us 1250 by 41. This statement covers purchases made between 21 and 31.You are in your coma until 41 when you magically wake up because your subconscious knew that there was a credit card bill to pay and didnt want the ding on your credit report. You pay 1250 to the CC company on 41 because thats what the statement said to do.Now your account balance is at 0.Throughout this entire scenario youve paid exactly 0 in interest, all because you simply paid what the statement asked you to pay by the time it asked you to pay it. You ALSO are having showed to be using your credit card to the bureaus which helps your score because you never explicitly paid your balance down to 0 except for when you fell into that coma and stopped using it. This month-and-a-half behind revolving statement thing guarantees that as long as you keep using your card, and paying off the statement, you will always have a statement balance at the end of the month. That balance at the end of the month is what gets reported.But you havent paid any interest.Thats how you use a credit card. 