When To Pay Your Credit Card Bill & How Much To Pay (INCREASE YOUR CREDIT SCORE)

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: Some of these links may be affiliate links. If you purchase a product or service using one of these links, I will receive a small commission from the seller. There will be no additional charge for you.

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.

[SashaYanshin]

A little bit more science for those wondering when the best time to pay is and why! If you found it useful, please scroll back up and hit that Like button!

[ithunder]

Great video mate. Really appreciate someone in the UK making videos like this, your channel is exactly what we need, keep it up 🙌

[matthewelliott]

Great video, i have heard so many different techniques e.g. paying in two separate payments or paying off straight away. It's good to hear from someone that actually knows what they are talking about.

[jking]

Excellent video. I find it difficult to get accurate information about credit in the UK when YouTube is just awash with videos about the US. Definitely answered so many questions I had. Thank you!

[quaysidetravelcentre]

Great video and tips. I am in the process of rebuilding my credit and you’re video is very informative. It’s very hard to find videos that are focused on the UK market. I found one of you’re video accidentally. Thank you

[nataliabester]

Thank you for all those insights! Didn’t know most of it 😅 thanks!

[june]

This is a really interesting video, thank you for sharing!

[Scummywummy]

My limit is £400 and is emergency use only previously unemployed so I got a credit card, risky move because I thought I won’t get employed and spending what I can pay back, luckily enough I am now employed and refuse to spend no more than 50% of my limit currently on £160 spent and happily to be paying that off next week with my pay check, and once stable I will be only spending no more than £100 and that will be fuel needs and small shops. Amazing videos and helpful for someone who has no clue and was worried owing a credit card. Quality job mate thanks a lot.

[kitessemakit]

Great video, and very useful, thanks Sasha.

[kevinhughes]

Great in depth video thanks for sharing

[freeriderbg]

Hi Sasha,

Congrats for the channel! Your style of explaining finance in plain English is amazing.

If the due date is, let's say the 12th of each month, should I set the full repayment direct debit on the 12th or few days in advance?

Thank you and I hope you'll have enough time and energy to keep this channel growing.

Cheers!

[treetreebangbang]

i was lucky enough to find your content right after getting a credit account. appreciate the useful and reliable information explained in a very clear manner

[avtandil]

Very informative video. Thank you very much for sharing.

[Honest_Reviewer.]

Thank you for sharing your insights. This was a very good explanation on how to build credit.

[royaltytakuda]

Good job mate I have learned a lot from this video

[johnsteven]

i liked your video, thanks for the explanation!! seen you from NYC 🗽

[ibrahimegal]

Hi Sasha I really luv u channel best content creator ithink u knowledge is home grown organic knowledge

[Ridhwaan]

Great vid, would love to see some visuals, a calendar for example

[yung_volcano]

This video actually prompted me to call my bank and set up my (pay in full) direct debit. That deserves a smash of the like button! THANK YOU 🙏🏼

[Aldroid]

Nice vid Sasha. What's your outro music?