conversation: User (Jstephe25): "I got a credit card a couple years ago and started putting everything I purchased on it and paying it off every month. I hate to have any kind of debt so I will usually pay the entire pending balance off before the bill even comes. Every month I put between $750 - $1500 on it but pay it so early that every "payment due" is only a couple hundred dollars or less. Would it help my credit if I allowed the full amount to show due and then pay it or does it still take into consideration how much I have actually spent and paid total?"
  Self: "Do what you've been doing, for a long time. "
  