yes sorry meant that it doesnt make a difference if I let the statement close or not. it shows up either way
If i have a card with a 10k limit, and I spend 9.5k: if I pay off 9450, my statement and report will show a balance of $50, or 0.5% utilization, which is good for my credit score. If I let the statement close with that full $9500 balance, my statement and credit report will show $9500, or 95% utilization, which is a maxed out card and is harmful for my credit score.