<prompt> Human: I paid my full credit card balance for July a few dollars before it was due. Since then Ive put a big charge on my card, and as a result am already near my limit for August. Is there a negative effect of paying off the full balance currently on the card only about 3 days into the billing cycle?Thanks!  <response>: Nope. There is a lot of misinformation I.E paying off the card right away being bad that credit card companies dont clear up as they make their money by people not paying off the cards and letting the balance carry over. Paying off the card right away, or paying it off in full once a month will have the same effect. Now if you plan to have your credit checked in the upcoming month or two, then youd want to leave 1-10 on the card though still payoff the statement balance in full in order to get the highest utilization score. This only matters if you plan on getting your credit checked though. 