Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Should I pay off my credit card online immediately or wait for the bill?
It does not matter. Your credit score is affected by late payments, by credit usage and by age of credit. DO NOT PAY LATE.  Paying early is only good in that it means you don't pay late. Your credit usage is calculated by percentage of the credit you have that you actually use.  Keep your usage to under 20% of your limit and you look great as a credit risk as you have lots of buffer.