<prompt> Human: Curious if anyone can clear something up. Im trying to build up my credit fast. I read once that if I make multiple payments, rather than one lump sum, it will have a more positive effect on my credit. Ex: Lets say I have 1000 in credit card debt. I want to pay off the complete 1000. Lets also assume that the minimum monthly payment is 100. For conveniences sake Is it better to make one 1000 payment. Or, should I make 10 100 payments over the course of 10 days?  <response>: As far as I know, theyre only counting one payment per month per line of credit on your credit report. Pay your balance in full each month. If youre just starting off, try to charge something on it each month most months. 