This is very generalized and applies to "the average business". While the percents might fluctuate the fact is that your accounts receivable loses value as it ages. Carrying AR costs money for any business. Value of receivables as they age: 30 days ~98% 60 days ~89% 90 days ~80% 120 days ~69% This is from a Harvard study and there are other studies out there with some being more/less favorable. But they are all in the same ballpark. It also depends on the business but that is why I said "average business". Edit to add: There is realistically zero benefit to charging balances at the end of the month. Payment per case is the only way to go with credit cards. Allowing someone to ride you out for a month then charging their credit card just end up costing you more money.