So unless you pay every card off before statement date (which is hard to do sometimes), increasing your available credit helps bring down utilization ratio. (milenomics.com)
Anniversary year means the year beginning with your account open date through the first statement date after your account open date anniversary, and the 12 monthly billing cycles after that each year. (doctorofcredit.com)
Your monthly statement date is the date that falls 3 days after your payment due date, which is clearly displayed on your bill and online account. (pointsyak.com)