Best use of credit card for improving scredit score

devlopands

I have 2 credit cards currently:

1. Capital one - limit of £1300
2. Barclaycard initial - limit of £650

Currently i use both randomly and usually pay as soon as I have used the card thinking this will improve my credit report long term.

However I have read recently that it would be better to wait until the statement is generated and then pay the balance in full.

Which way will have the best affect on my credit report long term?

And, if waiting on the statement to be generated, is there a specific percentage of limit to stay under?

sourcrates

Ok, a few misconceptions here.

Makes absolutely no difference what you do.
As long as you pay by the due date, you get a little green tick on your credit file.

No drama, no magic, it's as simple as that.

How potential lenders will view what kind of risk you are, you can only speculate, as they all have there own credit scoring criteria.

A universal credit rating simply does not exist.