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. 


  • zx81zx81 Forumite
    35.3K Posts
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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
    3.1K Posts
    Fifth 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 1:53PM
    FingerbobsFingerbobs Forumite
    1.5K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    edited 15 December 2020 at 1:53PM
    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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