Hi – sorry if this is the wrong board.
I’m trying to boost my credit rating by using my credit card as much as possible and having a direct debit set up to pay off the balance in full. But I notice that there’s a time lag of a few weeks between the point where the statement is issued and the point where I pay it off (e.g. now I’ve nearly maxed the card but the statement is for only about half the credit limit, so only this will be taken). My concern is therefore that it will look like I am carrying a half-loaded credit card, which will probably not be good for credit rating?
What do people think? Is this a real problem or an imaginary one? If it’s real, what solutions are there?