<prompt> Human: Im close to bringing down my credit cards to 30 balance on all of them to help build up my credit and then Ill be able to start putting money into savings. Its only take about another 4 more months to pay of all my credit cards and Im wondering if I should do that and take a hit on my credit score? Im wondering how much of a hit I would see if all my credit cards were paid off, Id like to put all my money in savings and use my debit card for purchases and keep credit cards for emergency but I keep hearing to use credit cards for reoccurring purchases.Thoughts? Thanks in advance!  <response>: Pay off your credit cards in full as soon as you can so you stop throwing money away needlessly on interest charges. 