Paying your credit card bill seems like a super simple thing - make sure you pay it off in full every single month and that's about all there is to it.

But if you're looking to improve your credit score, then what is the optimal time to pay your credit card and why?

How much should you actually spend on a credit card and how much should you then pay off in order to get the best possible impact to your credit profile?

I've noticed that there is a lot of very bad advice out there about this with people advocating not paying in full, paying the card off quickly and other things that are simply not correct and I wanted to put together a video where I explain this as clearly as possible.

At the end of the video I share 2 top tips for ensuring that the way you make your payments gets you the best possible impact to your credit profile.

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DISCLAIMER: I am not a financial advisor and this is not a financial advice channel. All information is provided strictly for educational purposes. It does not take into account anybody's specific circumstances or situation. If you are making investment or other financial management decisions and require advice, please consult a suitably qualified licensed professional.