as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
should i always pay my credit at the last day possible to maximize my savings interest?
user
if you have the ability to pay online with a guaranteed date for the transaction, go for it. my bank will let me pay a bill on the exact date i choose. when using the mail, of course, this introduces a level of risk.  i asked about rates as the us currently has a near zero short term rate. at 3.6%, $10,000, this is $30/month or $1/day you save by delaying. not huge, but better in your pocket than the bank's.
assistant