6 days ago
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Posted On: October 10th 2026, 11:20 pm
💳 LITTLE-KNOWN CREDIT TIP! 👀
Did you know that your credit card can report a $0 balance even when you use it every month?
Here’s the secret: Many credit card issuers report your balance to the credit bureaus around your statement closing date, not your payment due date.
🔥 The strategy: Pay down your credit card balance before the statement closes. This may lower the balance reported to the credit bureaus and help reduce your credit utilization.
Remember: Lower utilization can help your credit scores, but no specific score increase is guaranteed.
💰 Credit is a strategy, not a guessing game!
— Lisa Metellus-Lavison, JD Certified Wealth Educator
📲 Want to learn more credit secrets? DM me the word “CREDIT!”
Did you know that your credit card can report a $0 balance even when you use it every month?
Here’s the secret: Many credit card issuers report your balance to the credit bureaus around your statement closing date, not your payment due date.
🔥 The strategy: Pay down your credit card balance before the statement closes. This may lower the balance reported to the credit bureaus and help reduce your credit utilization.
Remember: Lower utilization can help your credit scores, but no specific score increase is guaranteed.
💰 Credit is a strategy, not a guessing game!
— Lisa Metellus-Lavison, JD Certified Wealth Educator
📲 Want to learn more credit secrets? DM me the word “CREDIT!”
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