<prompt> Human: I made a 350 purchase on August 11th that I can pay off immediately I have the funds, but will paying it off immediately Today help my credit in any sort of way or should I wait and accrue some interest before paying it off? I know everyone will say to pay it off immediately and dont accrue any debt and how this is a dumb questions. However, Ive heard of people working the system to be in their favor while increasing their credit score by paying it off a couple weeks after the payment had been posted. Credit scores in mid-600s and Im working on it. I dont need criticism, I need insight. Any info will help? Assistant: Accruing interest does not benefit you or your score in any way at all. It is a very commonly promoted myth with no basis in reality.Wait for the statement at the end of the billing cycle and then pay it off in full.Human: Partial payments wont show any difference on my account either after the statement has been processed? Paying half when statements created and half when payment is due?Assistant: Correct. You charge 350, the statement is generated with 350 as the balance. You can either pay it all at once immediately after the statement is generated, or wait until the very last moment and pay on the due date, or do any combination or partial payments throughout the month - the credit bureaus will still have 350 as the balance that month. Human: Okay, I will pay off the debt by the due date. In future cases, where I dont pay the full amount by the due date, and accrue one months interest, will the interest show as interest to the bureaus or more debt from the charge that I initially did?  <response>: No. The balance is not broken down by type. Purchases and interest are all lumped into one sum. Theres no way to infer if you pay interest just by looking at what is reported to the credit bureaus, hence why paying interest is in no way beneficial. They only look at the total statement balance and if its paid on time. 