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some people arent paying their credit cards off correctly because they dont know the difference between a statement closing date and a balanced due date not you though you follow me your rich bff and im your favorite wall street girly whos going to break it down for you what most people dont realize is that when you pay off your credit card bill youre not paying for the things that you bought in the past month youre paying for the things you bought in the month before that for example in this case my most recent credit card statement closing date is may 21st meaning the payment im about to make is for purchases incurred from april 22nd to may 21st the next statement period will be from may 22nd to the next closing date of june 21st the payment due date or balance due date is usually about a month after the statement closing date so june 18th and may 21st this is the day by which i need to pay off all of my purchases from the last billing cycle so that i dont pay any interest o