<prompt> Human: I have gotten conflicting information on this from people. My friends father who is an accountant says pay off a card in full whenever you use it to maximize the effect it has on your credit, my SO who has amazing credit says to make a regular good payments on the card instead of paying it all off at once. I currently have a 1,500 Visa that I generally never have more than 700 on, and I pay off usually 150 a month compared to the 40 minimum; is what I am doing a good idea or should I just pay it all of at once since I have the ability to do that, or does it really make no big difference?Assistant: Thanks for the advice everyone! So I guess pay in full before the end of the month and save myself the interest charges, makes no difference on my credit score so might as well get to keep more of my money.  <response>: You may need to pay it down to zero and have a 0 balance statement issued in order to reinstate the interest-free grace period. 