Hot take: a guy at a tire shop in Tulsa told me to stop paying my card before the statement date

Wade White · 2026-09-17T03:00:03.933264+00:00

I was in Tulsa getting two new tires on my truck a few weeks back and the guy at the counter overheard me on the phone with my bank about a card payment. He said paying it off before the statement cuts makes it look like I never use the card, so my score just sits there. I switched to waiting for the statement and paying the full balance 4 days before the due date, and my utilization actually shows up now. Two cycles in, my score went up 31 points. Has anyone else been told this, or is this guy just guessing?

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Hot take: a guy at a tire shop in Tulsa told me to stop paying my card before the statement date | Credit Advice - Thought Shares