<prompt> Human: So I have my first credit card and I get the basics, always pay it off on time, keep it below 30 utilization 150 lol. I was just wondering because I read that paying it off too early will ruin the point of building credit. I have the basic Bankamericard so I have a closing date and then another 30 or so days before my bill is due. Do I pay it off on the closing date? After the closing date? On the due date exactly? Does it matter?Thanks.  <response>: After you get your statement but before the statement due date. 