<prompt> Human: Is there anything wrong with paying off my credit card bill multiple times a month? Im a student and have a pretty low limit, so sometimes I have to pay it off in order to keep charging things to it. In terms of my credit score, is it better for me to pay it off as close to the due date as possible, or does it not matter as long as dont have a balance by the end of the month?  <response>: It doesnt matter how many times you pay, and wont affect your credit. When you pay can make a difference, but its small.The balance used for the utilization ratio is reported once a month, and is usually just the balance due check your report to confirm this - all of mine are the balance due that I get on my statement. So paying on the 1st and the 15th is no different than paying on the 15th if your closing date is after the 15th.Also, utilization changes month to month, its not a historical thing. So if youre not getting a loan in the next 30 days, it doesnt matter what your utilization is since it will just reset next month.Also, the other post about the rewards is incorrect - rewards points are nearly? always based on purchases, not balances. Buying something for 100 and then paying it off right away should net you rewards on that 100. This is also possible to confirm by checking your rewards balance. 