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Illustration showing credit score dropping despite on-time payment, with statement close date capturing high utilization before payment is made

Why Your Credit Score Drops Even When You Pay On Time

Paying on time isn't enough. If your balance is high at statement close, that utilization gets reported — and your...
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Automated debt payment system showing scheduled autopay intervals reducing loan balance while maintaining a healthy credit score

How to Automate Debt Payments Without Hurting Your Credit

Set up autopay correctly for credit cards, student loans, and installment debt. Protect your credit score and pay down debt...
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Person highlighting statement closing date on credit card statement while comparing payment timing on desk calendar

How Credit Card Payment Timing Affects Your Credit Score (And How to Use It)

When you pay your credit card matters more than you think. Learn how statement dates, payment timing, and utilization affect...
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