It is often advised to pay your credit card bills before the?
That advice has no real basis and is applicable only if you have cards with low credit limit and thus are likely to max out the credit limit before the billing cycle. If you have multiple cards and or if you have cards with decent credit limits and if your monthly expenditure through the card does not exceed even half of the cards credit limit, there is no reason for advancing the payment. You can wait for the bill to be generated and delivered by email or post and pay online or by a cheque, keeping in view the few days needed to clear the payment and credit it to the credit card account. The billing cycles are affected by only one day in all months except February. So, the payment due date shifts only by a day in all months except February or March depending on your billing cycle. In any case, the statement also comes with a due date clearly mentioned and it is not difficult to make a note to pay the same after a few days.