<prompt> Human: Context: I use a credit card to pay a monthly 1500 payment, and pay it off within 30 days each time.I was talking to a friend, and they were saying that I should wait for the 1500 to appear on a credit card statement before I pay the balance - this supposedly is better for building up my credit score. Question: Is this true? Does it make a difference if I wait for the 1500 to appear on a statement or if I pay before it has the chance to appear?  <response>: I just pay my down below 10 every month an leave that to report on my statements. Credit utilization doesnt have any memory, but I still just keep it below 10 for funsies and good practice. Keeping less than 30 is typically whats recommended though overall. 