<prompt> Human: Usually when I pay my credit card, say there is an 85 balance, Ill just pay 100 and then end up with a -15 balance. Sometimes I have a negative balance on my card for a while. Is this a bad thing for my credit?The reason I do this is my because my banks app doesnt update in real time with purchases so I usually have some pending purchases that would add to the debt. I figure paying some extra now means Ill be about even when the app catches up.  <response>: Just pay your statement balance by the statement due date.Any purchases, pending or not, that are billed after the statement closes arent due until the NEXT statement date. 