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whats up guys it is ryan today i want to talk about what i feel is probably the most important aspect of credit that you need to learn understand master map out figure out the whole nine yards this is the most important part with regards to managing your credit score especially with credit cards now this does apply to all accounts but definitely credit cards because credit cards have whats called a utilization factor that factor can influence your credit score by as much as 100 points simply by understanding one key metric the reporting date now what is a reporting date lets just take example this is my discover credit card it was easy to figure this one out because i only have one discovered credit card you have a statement cycle lets say on my discover card the statement cycle starts 4 12 21 and it ends 5 11 21 okay the 12th it starts one month later in the 11th it ends my due date is the sixth this is cool because this is almost an additional month to pay that off so i have 30 d
