<prompt> Human: my transunion and equifax drops 50 points everytime my balance increases on my 2 credit cards. i always pay my credit cards in full when due. is it normal for my balance to be reported before they know whether i am paying my balance in full or carrying over and paying interest. if i were to pay before my statements come, would they still be reported and would that benefit me to do so if im trying to raise my credit score or would the report benefit me. 35-50 point decrease every time i use my credit card seems a bit too much. when ive paid my statements my credit score increases about the same amount of points as it goes down with the next update. some notes: credit line of both credit cards is 1300 and credit utilization varies from 30-40  <response>: This is a common problem for people who use their cards a lot but still pay them off in full each month. However, theres an easy way around it.Credit card companies usually only report to the credit bureaus once a month, and the majority of them report exactly whats on your statement. Lets say your credit card has a 1000 limit, and youve charged 800 to it by the time you get your statement. Of course, you pay the whole balance, not just the minimum payment. But by the time you do, that 800 has already been reported to the credit bureau, and your score has dropped. The way to avoid this issue is to pay early, before theyve even created your monthly statement.My Discover card statement always comes out on the 25th, and it covers everything Ive spent in the past month through the 24th. So on maybe the 22nd or 23rd, I log into my account and see what my balance is currently. If its more than 10 of my credit limit, I immediately make a payment large enough to get my balance down to below 10. A day or two later when the statement comes out, my balance is much lower, so thats what gets reported to the credit bureaus. My score never suffers. 