Say my closing date is on April 28. and I currently have $0 balance. Is it ok to use the credit to buy something around today (April 24)? Or should I keep my $0 balance until the next closing date and start using the credit card again on April 29? I only have $300 credit limit.


Not a problem. If the charge is too late to be included on one month's bill, they just put it on the next month.

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