<prompt> Human: I do this quite frequently in order to build up reward points. Usually they are small charges like gas and groceries but sometime I would buy something costly like electronics which I intend to pay right after. A friend tells that this could have adverse effect on my credit score. Is this true?  <response>: Unless youre running up to your credit limit or something, just wait for the statement and pay the whole balance all at once. Dont bother making multiple payments throughout the month, thats a pain in the ass anyway. 