If I make a purchase right before my statement due date on my credit card, does it affect my credit score?

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A question by Anonymous:  My due date is the 15 of every month which I plan to play off my balances before the DUE date.  I’m confused about how the statement due date works though. So, if I make a purchase right before my statement date, would this affect my credit score in a bad way??


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“Small purchases won’t matter one bit.  If you a have a large purchase, then it will increase your credit utilization (the percent of your available credit used.)  If it affects you at all, it will be minimal.  So unless you’re looking for a big purchase and are right on the edge of a better rate, then it doesn’t matter at all.  It also depends on when your bank reports your balance. .”


“New purchases made after the bill cycles will not show up on the bill until the next billing cycle. You can still pay the full amount including the new charges if that is what you want to do. Or you can wait to pay the new charges until the next bill. What hurts your credit score is carrying a balance that is more than 30% of your available credit line. (And it is actually better to be below 10% of your available credit line).”


“Your credit card has a statement period – Like February 1 – February 28, 2022 Your credit card has a statement due date – March 15, 2022 If you make a purchase on March 14th, it will be on the statement that closes on March 31, 2022 and have nothing to do with the March 15, 2022 due date.”

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