Paying Off a Debt in Full Every Single Month

Paying off a debt in full every single month is like fairy dust on your credit score. Even though it was only 25 bucks, the amount didn't matter. It's the habit. But if you want to try to increase your credit score, you need to wait until at least a day after your statement date. If you pay off before the statement date, then they won't even know you used your card.