The only thing that should affect your credit score is not paying timely or at all. They aren't going to report you because you have the nerve to make large payments or pay them off. Credit card companies certainly don't want you to pay off every month because then they can't charge you all that interest and that's how they make their money. They charge fees to stores that accept credit cards, but the bigger money is from people who carry a balance. We rarely carry a balance on a card, but you can tell they want us to spend, spend, spend as they keep raising our limit. I say pay the turkeys off if you can!