<prompt> Human: I have a habit of checking my credit card on a daily basis to make sure there are no fraudulent charges and will also pay off the balance if any each day. Does this affect my credit score negatively? Does it matter at all?Assistant: If youre paying down the balance to 0 youre hurting yourself because the credit bureaus will think your card isnt being used. You need something to post to the statement. Human: Makes sense. So it is better to wait until the end of the month. Is there a certain amount I should keep the statement at? Im guessing it would be bad if they saw I spent 75 of my credit card limit in one month even if I pay it off.  <response>: Its only bad if youre seeking credit during that month. The percentage doesnt follow you, if you ran 75 for 3 months then ran 30 on the fourth month theyre only seeing the 30, so its only important if youre about to apply for some type of credit or loan.I know what Im comfortable owing, if my balance gets above 200 Im paying some down because I only want 150-200 to post to my statement, not for credit purposes but because I dont want to have to pay a huge amount off looming over my head and be broke, been there done that. 