<prompt> Human: Im freaking out because I just read up on a random article about statement closing dates and utilization rates and now Im extremely confused.I have 2 credit cards, lets call them Card A and Card B.Card A 4,000 limit. Next payment due date is Jan 4, 2017. Its almost always around the 4th.Card B 1,000 limit. Next payment due date is Jan 1, 2017. Its almost always around the 1st.Now, heres how I use my cards:- I usually use about 80-95 of my limit on both cards. This is because its easier and safer for me than using my debit card.- Ive never once considered the statement closing date for either card. Ive only ever paid attention to the Payment due date in my online account.- I always pay off the entire balance in full, every time. Ive never missed a payment.- I always make the payments about 1-2 days before each cards payment due date.Am I doing this right? Ive been doing this for YEARS. I believe CreditKarma put my score around 730, so now Im wondering if this is worse than it could be, or what.Should I actually be paying off the cards at some other date? Is there a chance that Ive been paying too early, or too late, and that theyve been reporting a balance to the credit bureaus? If so, when the hell SHOULD I pay off these cards? Ive scoured every inch of my statements for both cards, and I cannot find any other statement closing date for me to base this decision on.Also, should I really be using only 30 of my limit? This would make my life incredibly more complex. Id have to get even more credit cards and micro-manage purchases across all of them. Eeeegggh.Any help would be absolutely wonderful.Assistant: Pay the statement balance not the full balance. The latter includes charges that were incurred after the statement closing date, which are not due until the next bill.And dont worry about the utilization percentage if youre paying the statement balance every month, it doesnt matter in the least.Human: I like the idea of only paying whats due at the time its due... but my personal preference if theres nothing wrong with it would be to pay in full.. because then, if an emergency happens, I already have access to my full line of credit. Is that OK as a personal decision?Assistant: Nothing wrong with it other than youre paying the money before you need to. You could just ask for a credit increase instead, Im surprised they havent given you one automatically if you have been paying on time for years.Human: Interestingly, Card B Discover has denied my 1,000 credit increase twice this year. No explanation. Makes zero sense to me, Ive never missed a payment ever.Assistant: Dont give them your business then. There are plenty of other cards out there that are willing to pay you to use their product.Human: Id love to take my business away, but Im also nervous about canceling a credit card and the score implications of it :  <response>: Nobody said anything about cancelling a card. Just get a new one. 