<prompt> Human: Example: Bob has a max credit line with his credit card of 2,000.Bob currently has a balance of 1,900. Bobs statement will be issued in two weeks. Bob wants to use his credit card to make a 200 purchase. He cant because he only has 100 left on the card. Bob makes a payment of 500 to free up some space, and then makes his purchase. When the credit card is issued two weeks later, Bob pays it off in full and on time, just like always. End example. Did Bob do anything wrong? Is Bobs credit still going to be boosted as a result of paying off the balanace just like always? Or should he have done something differently? Assume Bob doesnt care about minimizing utilization this month. Thanks!  <response>: On time payment is always beneficial to credit.Since most credit card companies report the statement balance as credit utilization, Bob can trick the system in getting a higher score temporarily. However, Bob will not build credit any faster.Heres how: Before Bobs statement is issued, pay down all but the last 5 of the card. When the statement is issued, the statement balance will be really low, like 5. Bob then pays the statement balance in full and on time, as always.This way, the reported utilization is 5 out of 2000, or 1 rounded up. This maximizes the CU component of Bobs credit score.The other parts of Bobs score payment history, credit mix, inquiries wont change any faster or slower. 