@rb3zee wrote:Instead of always worring about your FICO score and paying extra to your credit cards. You should take that extra money and have it work for you. Do you have an IRA, Roth, Univerisal Health Policy? If you said yes, you should be putting that extra money into these accounts and have it work for you, instead of putting an extra 50 or 100 dollars on a credit card, which does very little to your balance. But if you did that every month for 20 years, just about the aveage time it takes to pay off a 10k credit card, you will have a retirement savings in the 100's of thousands!!!