<prompt> Human: Im currently working on my credit rating by buying everything on my credit card and paying it off immediately.For this to impact my score, do I have to wait until the merchant has taken the money from the CC company, and the CC company has charged me? If I pay the CC company straight away before they have paid the merchant, even will I still improve my credit rating? Im technically not owing the CC company anything if Im paying them before they pay the merchant, as the merchant is being paid with my money held by the CC company, not the CC companys money which I then owe. Will it still work?Thanks!  <response>: Just pay off whatever your statement balance is the day after your statement is issued. 