<prompt> Human: Hello rpersonalfinanceA while ago I came to you asking if it would be better to pay off my car 2k left on it or my credit card 10K and the general consensus was to pay the CC. After cutting my back on my spending, saving my money, and receiving my tax return I now have enough to pay off my credit card. Would it be better for my credit score if I payed off the CC all at once, if I payed it off with higher monthly payments, or would it not effect my score at all?  <response>: Im not sure where people are getting the idea that they shouldnt just pay off credit card debt with a single payment. Your credit is hurt by the balance being there way more than it could possibly be helped by making a recurring payment. Just pay it off. 