<prompt> Human: Exactly as the title says. Im curious as to what is better? Or if there is any difference at all.Edit: Ive heard most people say to spend around the 25 of your CC balance as well.. what is going to help me build the score the bestfastest?Assistant: I wait for the bill.It doesnt matter much, unless youre getting charged per transaction. In general though, I like to have as few transactions as possible, so having two paychecks a month into my bank account and 1 out to each credit card makes it easy to glance at it and see what happened for a given month. Having a bunch of little transactions would be harder to follow.Beyond that, I just dont have to discipline to do that. I keep track of my balance, but spending 5 minutes every day managing my credit cards isnt something that sounds appealing to me when it doesnt really have a benefit.Human: Im actually really confused by this...I have only the three accounts right now at Wells Fargo. 1. Checking2. Savings3. Credit CardIf I just transfer directly out of my Checking into the Credit Card.. is that paying it? Do i still get credit for that?  <response>: Same setup I have with Wells Fargo. If you try and transfer to your credit card from your checkingsavings, youll see a note that says:Your account is current. No payment is due. Your next payment is not yet scheduled. However, if youd like to make an additional payment, please select or enter the amount below.So, in order to properly utilize your credit and ensure that your positive payment history gets recorded by the three major bureaus, wait until your statement is generated, then immediately pay it off. 