<prompt> Human: I am about to get enough money to pay off my credit card debt in full. If I want to bump up my credit score, should I pay it in full all at once or pay it off in monthly chunks? edit: thank you all for your help! I will definitely pay it off now in full.  <response>: Pay it off now. You should make it a habit to always pay off your statement balance in full each month.It is not worth the money to pay interest on a debt just to bump your credit score a couple points. With credit cards, you can actually see a drop in your credit score for keeping a balance. 