Should I always pay my amex card in full before the statement ends as a best practice for credit scores? Or wait till the statement ends and then pay in full?

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I pay it daily. All my spend goes on a CC, then I pay that off. Just a good habit honestly.

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Okay sure you do what you want, but it’s not a “good habit” if no tangible benefits other than you like doing it

Either is fine as long as you pay in full especially if it’s a charge card. Paying early does help but it’s not a must.

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If you’re consistently paying early on the same day, like 2 days before statement, this doesn’t really do anything because the only impact is to credit utilization. You’d have to be paying a few times throughout the month to keep the balance down

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All you’d be doing is thumbing the scale on your utilization. It’s not going to have a major impact unless you are spending a large portion of your available credit limit.

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Talking about personal Amex Platinum

Doesn’t matter for amex from personal experience. It doesn’t show up on credit utilisation. Credit cards on the other hand I do pay a day or two before the statement closing date so reported statement balance (which does impact utilisation) is low/zero.

As others have said, it doesn’t change anything in a meaningful way eg rate you get on mortgage/car loans, access to credit etc. But some of us are just OCD and credit score over 800 is important for its own sake.

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