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Should I pay off my credit card online immediately or wait for the bill?
Theoretically there is always a time value of money. You'll need to keep your cash in a  Money Market Fund to realize its potential (I'm not saying MMFs are the best investment strategy, they are the best kind of account for liquid cash). Choose an accounts that's flexible with regard to its minimum required so you can always keep this extra money in it and remove it when you need to make a payment.