<prompt> Human: I currently owe a little over 2,000 USD on my credit card. I make monthly payments that are over the minimum amount required. In the three years Ive had this card, Ive only missed one payment due to being in the hospital when it was due. My parents say I have an exceptionally good credit score for being so young. I have recently inherited a fairly significant amount of money from a grandparent. It is more than enough to pay off my credit card at its current price. Would it actually hurt my credit score if I went ahead and paid it all off now or should I just pay in higher quantities until its paid off? The APR is 25 and I was wondering if paying it all off now will save me money. If it will hurt my credit score, would it be by a significant amount? Im looking to move out within the year and am trying to keep a good credit score in order to do that. Thanks!  <response>: Pay it off now. It wont hurt your score to not be carrying a balance, and youre costing yourself a lot of money by allowing that interest to grow. It will likely improve your score by reducing your credit utilization. 