<prompt> Human: If for example I have minimum payments of 400, but I pay up front 2000 at the beginning of the month and then realize I can pay another 300 due to increased savings, does that negatively impact my credit? Could be a dumb question, but I figured irregularity in payments could arguably indicate less creditworthiness.Note: I have 8 months of expenses in an emergency fund so extra cash at the end of the month happens often.  <response>: It doesnt. As long as you make the minimums each month, nobody cares. 