Theoretically, you could use 100% of your credit if you pay it off each month, but only if you know when your credit card issuer reports to the credit bureaus. Most credit card companies update your information with credit reporting agencies at the end of the billing cycle, usually 30 days.nnYour credit card balance when your credit card bill reports is the balance reflected in your credit report. Even if you pay it off the next day, you'll have to wait until the end of the next billing cycle before it updates in your credit report.nnConsider making an additional payment during the month to keep your balance low when the account gets updated with the credit bureaus.