Credit card issuers typically report your balance to the credit agencies once a month, usually around the statement closing date. If you consistently use a significant portion of your available credit limit throughout the month, even if you pay it off in full before the due date, it could still result in a high credit utilization ratio when the balance is reported. To minimize the impact of this, you can make multiple payments throughout the billing cycle to keep your reported balance lower. This can help maintain a lower credit utilization ratio, which in turn can positively influence your credit score.
