Unlike traditional credit card companies that report statement balances, Arro reports your account's utilization as it stands on the last day of each month. This information is typically submitted to the credit bureaus between the 1st and 7th of the following month, after which the bureaus process and update their records with your account information.
You can optimize your credit score by managing your card's utilization strategically. To potentially improve your credit score, you should aim to keep your balance as low as possible toward the end of each month, as this is the balance that will be reported to the credit bureaus. Remember that even if you pay your balance in full after the month ends, the balance that was present on the last day of the month is what will appear on your credit report.