Any benefit to paying down a large credit card balance before year-end?

In My Humble Opinion
1

My normal payment cycle includes me paying down my credit cards at the beginning of the month. However, I built up some large balances this past month, so that got me wondering if there is any benefit to paying them down before year-end. My understanding has always been that personal credit is constantly being monitored anyway, but not sure if calendar balances matter for any reason.

Please keep in mind that I pay no interest on my cards as I pay balances down to zero every month, and even with higher interest rates, the lost interest income over a week is negligible.

2

No difference I’m aware of. Each creditor reports your open balance at each of their statement cycles on your account. Which is not (necessarily) tied to the calendar month end.

3

Thanks!