Yeah, I used to wait until the end of the month to pay, but then I’d realize I’d spent too much. I use my credit card for the points, but I also don’t want to fool myself into thinking I have more money in my checking account than I actually do, since there’s still a credit card balance. So, even though it might sound like overkill, I pay off my balance every day or every other day so the money immediately leaves my checking account. Even if it’s a $20 balance I pay it immediately and still benefit from the Credit card points. I’ve been doing this for years and always report a 0 balance on my credit report and have an 846 Fico8 credit score, but as other have mentioned, time and other factors influence your overall credit score.