If you’re looking for an easy way to boost your credit score, you can try the 15/3 credit card payment hack. This popular strategy involves making two payments on your credit card bill each month instead of just one lump sum payment.
Secret Credit Hack 15/3 IMPROVE your credit score INSTANTLY 🚀
You know that you need to pay your credit card bill on time and that you should always pay enough to avoid carrying a balance. The 15/3 rule advises that you make an initial credit card payment about 15 days before your statement is due. Then, about three days before the due date, you make a second payment to pay off the remaining balance.
For example, if your statement closing date is the 1st of the month and the payment is due on the 25th, you would make one payment around the 10th and the final payment around the 22nd.
The logic behind the 15/3 hack is that it can help minimize your credit utilization ratio, which is the percentage of your total credit limit that is being used. Credit utilization makes up 30% of your FICO credit score calculation.
