<prompt> Human: I usually make payments online and keep at most a 20 balance of my limit. But seeing that much makes me nervous and I sometimes pay part of if not all of it off multiple times a month. How does this affect my credit? andor score? edit: I never carry a balance so its at zero by the end of the month at least.  <response>: Only thing it effects is your utilization which is only calculated on the most recent month so unless you are planning on using your score very soon keep doing what you are doing. 