<prompt> Human: Hey everyone, I have a bit of a different situation regarding my credit card habits and could use some advice regarding how I pay off my balances.I have a Visa Signature cash rewards card from my credit union with a 13,000 limit. Its my go-to card and I use it quite frequently as I never carry cash on me. Im not in debt or anything, but came to a realization that I may be keeping myself from earning points on my credit score.Im somewhat of a preemptive payer. Meaning, I sometimes pay balances off even while they are pending so that when they post, the balance is already taken care of. I also realize that sometimes what Im preemptively paying off isnt actually reflecting the balance, resulting with negative balances on my card.To reiterate that last part again. Lets say I have a 0 balance on my credit card, but decided to give 100 from my checking into the credit card account, turning to -100.Basically, instead of waiting till I receive my statements and paying that balance, Im paying off balances frequently which includes pending charges. I think I developed this habit out of balance paranoia with how frequently I use my card. I dont like the feeling of having a statement saying I need to pay 100, when I used my card several times after that statement was received, and my actual balance in my online account reads 150. How in the wrong am I? And what is the true credit card etiquette? Growing up I was only simply told to pay off my balances on time and to never charge my card for more than I could actually cover. So now I am requesting the correct procedures for going about this, and education on how the proper procedures will help with credit building.Edit: Thank you for all for your input!  <response>: In the grand scheme of things, this is fine and you shouldnt lose any sleep over it.I think for your credit history, its better to wait for the statement before paying off the balance just because you want some sort of balance reported on your credit history. Note this is not the same as carrying a balance.So, to summarize: Use card Get statement PAY IN FULL Get on with your life 