<prompt> Human: In August I applied and received a student credit card through my bank. I used to for a couple of purchases in September, and enabled AutoPay to pay off the card in full on the 16th of the month. At the end of the month, I got my statement, with a balance of 0.00. This was expected, since it was automatically paid off on the 16th. But I have some memory of you guys saying that if you pay off your credit card before you receive your statement, and your balance is 0.00, you are not improving your credit since it looks like you arent using it. Is this true? If so, should I disable AutoPay and just wait to get my statement?Thanks  <response>: Just change your auto pay date to be after your statement date if you are worried about not having a statement balance.The fanatics who are hell bent on maximizing their credit score will tell you its best to have a statement balance, but the difference in how fast you will accumulate more credit is very minor. The primary concern is to avoid late payments, and your score will rise with time. 