<prompt> Human: My fiancé has a credit card he got about two years ago and he rarely pays it off in full every month since then there always seems to be a balance. One way or another he had 850 out of the 1000 limit. We have received our tax refunds and have been saving for our honeymoon wedding date not set in stone and considering eloping so the wedding can be put off if need be. I remember a colleague of mine telling me once to never just pay off the balance all at once just because you come into some money because it makes you look irresponsible isnt that the whole reason hes in this position? On a side note, we always pay at LEAST 10-20 of the minimum payment monthly and always on time. My question is this: We currently have 780 on it and have been putting a little extra towards it 50 here, 100 there through out the past month and a half. Now that we have these tax refunds, should we take the money and pay off the credit card down to 0 or should we pay it down to 300 30 of 1,000 or should we just keep doing what we are doing and pay off bits little by little. We are trying to get his credit straight so we can buy a home in the future and this is the only thing hes really having credit trouble with. also, first post on here! Were young and this is his 1st credit card so were very new to it all and just want to know the right way to handle itEDIT: That was a quick response! I just went and transferred money to it and the balance is none 0! Going to start being more responsible with it and start educating myself on credit cards as opposed to just listening to the adults around me. Thanks again!!!EDIT: so just got off the phone with my mom and she said we messed up because if we would have just paid a little every month instead of paying it down to zero, that it would give us revolving credit? I dont understand why this is an issue? I feel like it shows that yes we came into some money and instead of using it to pay on something fun we paid on our debt. Are you guys sure I should have paid it off?  <response>: I remember a colleague of mine telling me once to never just pay off the balance all at once just because you come into some money because it makes you look irresponsible isnt that the whole reason hes in this position?That colleague is an idiot. Seriously. Pay it off. 