<prompt> Human: I have a credit card through my bank with a 1000 limit. As much as I would like to, I cant pay it off in full every month, due to an irregular income. However, I always make my payments early and frequently, and always several hundred dollars at a time as opposed to the minimum amount due of 25. So while I understand not paying off my card completely at the end of every month isnt ideal, is what Im doing now going to keep my credit decent?  <response>: If youre making on time payments and keeping your balances low, it should be good for your credit, whether you carry a balance or not. There are other issues, of course - like interest accruing when you carry a balance. 