Due date vs Closing date?

Which one is more important so it won't affect my credit score?

My due date is 7/11

My closing date is 7/14

My transactions are still pending and I've used 75% of my credit limit. 

I'm a young college student who always pays everything on time

Should I make the payment even if the transaction is still pending?

3 Answers

Relevance
  • 1 month ago

    You should make a payment immediately.

    You should never be using 75% of your limit, on any date.

    What matters is the date that the credit card company reports to the credit bureau, which could be any date, which is why you should stay under 30% of your limit on every date, in case that is the date that they report.

  • BBG
    Lv 7
    1 month ago

    Due date is more important.

    The due date does not apply to pending transactions.

  • 1 month ago

    Pay the amount due by the due date.  Closing date is when your account resets and you get another round of bills

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