## Simple Method (Works Month)
1. **Check your statement closing date** in your app.
2. Spend during the month.
3. **Make a payment a few days before the date.**
4. After that, **autopay your minimum (or full balance) on the due.**

## Example
Your **statement closes on the 25**.
- You spend $400 during the month.
- If you don’t pay until after the 25th, the **$** may report.
- If you pay **before the 25th** and your statement balance becomes **$150**, that’s what typically reports instead.

 What Numbers to Aim For
- Try to keep your **reported under 30**.
- Even better **under 10% (especially if you’re working to improve your).

## Quick Checklist
- Find your **statement date**
- **Pay before the statement date** to control what reports
- Use **autopay for the date** to avoid late payments

If you tell me your **statement date** (and your credit limit or typical monthly spend), I can suggest an easypay” for your cycle