I pay my statement balances on time if not before they are due. But as you know with CC you are paying last months balance while accuring this months bill to be paid next month. Hypothetically my $500 statement balance for 10/2-11/1 is due 11/25. I have paid that balance recently but now in this current period 11/2-12/1 I have accrued 1.5k. The statement period is not over and even when it is I will only owe this balance (lets say $2k by the time statement close) on 12/25.

Is my peace of mind worth paying my credit card now well over a month before it is actually due or utilizing this month period to gain interest on that $1,500 (about $5). $5 is nothing sure but as someone who always wants their money working for them I kind of see it as a lost cause paying down my balances before their due. What are you approaches and how do you rationalize paying vs keeping and gaining interest in a HYSA.