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im gonna teach you a credit card hack that the credit card companies do not want you to know are you one of those people that dont know the difference between your statement closing date and your due date understanding the difference is a big deal ladies and gentlemen lets break it down your entire life you were taught to focus on a due date when the due date dont mean okay ladies and gentlemen it is an arbitrary date that was created to make you pay interest fees well guess what today that changes you need to find your starting and closing date for your statement for your credit card on your statement as you see right here your statement closing date is the date that the credit card companies figure out your balances and calculate your interest fees and they report that balance to the credit bureaus this is why its important to pay it off in full before the statement closing date dont use the card for seven days so report zero balance and then this will push your score to the v