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  1. Hello, I filed for BK in 2013 and have since rebuilt my credit and have a CitiBank Mastercard with a 24K limit. I use the card for business expenses and for most personal purchases and my monthly charges typically are around 12K. I always pay off the card within 5 days of the statement closing (I have never paid any interest), but I noticed that my credit report always shows that high balance to the extent that my credit score dropped like 23 points due to the high balance, which I again always pay off within 5 days of the statement closing. Do I have to pay the card off BEFORE the statement c
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