When to pay?? 🤔

I've been struggling for years to get my head around credit card repayments. I know you have to pay IN FULL at the end of each month but is that calender month or payment cycle month 🤔 

Trying to improve my credit score so I've got a statement day of the 16th but the payment isn't due for 28 days after the statement date. I know the statement is the sum shown on your credit report.

Someone help me please. Thank you. 


  • You pay once you get the statement and before the due date shown on the statement.

    Don't worry what your credit score is.  You just want to build a good history of credit management.
  • cymruchriscymruchris Forumite
    4K Posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    If you intend to pay in FULL each month (as is best to if you can) - then set up a direct debit to do it for you automatically - and then you won't have to worry about being a day early or a day late.
    An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects :) Happy to help others going through what I've been through!
  • edited 15 December 2020 at 12:53PM
    FingerbobsFingerbobs Forumite
    1.5K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    edited 15 December 2020 at 12:53PM
    Each monthly statement will show the exact date you have to pay before. The date will vary slightly from month to month. 
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