Paying balance before or after closing date?

Hello,
I'm trying to rebuild my credit after destroying it from bad decisions when I was 18. This forum has definitely been a huge help!
I wanted to get clarity on when to pay the full balance on my CC. I've seen a lot of post regarding letting at least one card report with a 9% or less utilization.
My question is, if I let a card report the 9% utilization, when do I pay the full balance?
Ex. If my opening/closing date is 6/15/15-7/15/15 and my payment due date is 8/10/15. My CL is $300 and my balance is $150. 9% of my CL would be $27 - so do I pay $123 before my due date? Or before the closing date? And then pay the rest after/before the due date?
Hope that makes sense!
Thanks in advance!! :-)

amonet520 wrote:
Hello,
I'm trying to rebuild my credit after destroying it from bad decisions when I was 18. This forum has definitely been a huge help!
I wanted to get clarity on when to pay the full balance on my CC. I've seen a lot of post regarding letting at least one card report with a 9% or less utilization.
My question is, if I let a card report the 9% utilization, when do I pay the full balance?
Ex. If my opening/closing date is 6/15/15-7/15/15 and my payment due date is 8/10/15. My CL is $300 and my balance is $150. 9% of my CL would be $27 - so do I pay $123 before my due date? Or before the closing date? And then pay the rest after/before the due date?
Hope that makes sense!
Thanks in advance!! :-)Pay the $123 before the closing date of 7/15, and pay the remaining $27 anytime prior to 8/10. That will get you 9% reported UTI, and no interest charges.

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