<prompt> Human: So my card BoA lets me transfer money from my bank account to the card whenever. I also know how much I spent for the cycle. My question is if my closing date hasnt come yet, should I transfer the money to pay the credit card if I know I wont be buying anything else by that close date? Would that help my credit or would they see a balance of zero on the closing date and seem like I didnt spend anything on my card?Newbie here obviously. Not a big spender, but Im still trying to build some history. I like to pay things off asap.  <response>: The best advice I have ever seen on credit card usage:I will add to this, that if someone tells you something else, you should smile, and nod, and say Interesting and change the subject. Even if its your mom. 