<prompt> Human: I have had two credit cards for about a year and a half now, and I always pay off the balance on them as soon as it becomes available to usually 3 days after my purchase. I never wait for the minimum payment to be due; I simply pay it all off in full. Last week I used my credit card more than usual, and I have a larger balance to pay off now than I usually do. However, right now, my next billing cycle says I have a minimum payment of 0.00. Should I wait until a minimum payment is due, and then make a payment, or pay it off in full way ahead of time like how I usually do? Does one option benefit my credit score more than the other?  <response>: Ignore the downvoted commentsduh! Just pay the full statement balancenot the total debt on the card when you get your monthly statement and youre good. Unless youre trying to keep your reported utilization down, in which case just follow what Archmaester said. 