PLEASE HELP best use of credit building cards

A question about : PLEASE HELP best use of credit building cards

Hi all! Basically I got into a lot of debt years ago and decided to take on some credit building cards but so far they do not seem to be helping! Basically i use them every month mostly to the max, they are only 300 between them! I have de set up to pay the balance in full!

My concerns are these:

I mostly use them upto a week before the statement date but the full amount is never paid, why is this? I don't want to be paying Hugh interest on them!!

Second every time I check my credit file it seems to be having a negative affect because it says that I'm using a lot of my credit? I know I'm using it but I'm paying off in full every month , well supposed to be anyway!!

I know this may not make any sense but if anyone can shed some light on this I will be eternally great full!!

Many thanks Chris

Best answers:

• Don't spend up to the max. It makes you look desperate.
  If you have a full pay DD, then it will take the full amount as at the last statement. It won't take payment for transactions after that statement.
• Sorry Im not too good with this forum at the minute! Posted my reply under the quote!
• If you're paying in full but still being charged interest, maybe you are paying a day or two too late after the date shown on the statement, so look into this and fix it to avoid further interest.
  As for these improving your credit rating, it will be gradual, so don't get yourself wound up and look at your file every month. Just keep things going steady for a few months.
• Thanks for all the replys guys! I've looked closely at my statement and they get produced on the 8th of the month and my payment comes out on the first I think this is where in going wrong!!?
• What you're doing is spending money after the "statement date" thus leaving a small balance on your card. I'm assuming that the statement date/DD date correlation was "automatic"? (i.e. set up by the companies themselves).
  My advice is to reduce the amount you spend on the cards if you can and to stop using them by the 25th of each month because it can take a couple of working days for spends to be posted to the account. Otherwise you could incur interest with some cards.