If I pay my balance before the closing date, my balance goes to zero and that is what is reported to the bureaus. Given so, would that hardly affect credit? I want my credit to go up as fast as possible, but I don't know if I should wait and leave the balance until the closing date passes and then pay before the due date, which is 25 days after. Will leaving the balance get me higher/more credit than leaving zero to be reported by paying before the closing date? I am an absolute newbie to this, so I could use a lil' help! I want to know if I should leave the balance until after the closing so that my balance gets reported, and then I pay it before the due date to avoid interest; or if I just pay it off right away and my score is the same as if I did so after closing. I don't know the process.
I don't even worry about fees since there's no annual one and I would never pay interest since I never fail to make payments in full every single time and incur no other fees.