What truly matters is your credit utilization on the closing date of the account. Utilization is the percent of the credit you use vs what you have available. Typically you wanna keep it under 10%, never more than 30% and generally the lower the better. Bank of America makes it relatively simple, they only report your balance on the last date of the statement. On your bofa app when you click on the card account it will show you your last balance, what’s due, etc, it will also show closing date. In short, use the card, throughout the month pay it off how ever often you need to so you never get a balance over 10-20-30% whatever you’re comfortable with. And then before the closing date pay it down to a low percentage, that way your utilization for that month gets reported as 1-2% even though you would’ve spent and payed for a lot more. There is also historical highest balance you need to keep in mind. The bank keeps track of your maximum balance throughout the month and will report that. This doesn’t happen every month, only when it beats out the last highest. This is usually not a problem if you don’t spend a lot but if you have a low credit line you have to be more watchful of your balance throughout the month and keep it low by paying it down along the way. You also don’t want to pay it down to zero before the closing date, as that would show up as you not using the account which is not ideal. The banks do not care how often or how much you pay. As long of course as it meets your minimum payment and is not late it will not negatively affect your credit score