Yes, I don't think a lot of people know this. I started doing it. I did it with my husband a while ago, but his credit jumped up so fast. I was so surprised. He was surprised too, but it's definitely a boost. And then even if you are using your credit card and you pay for something that's like a large amount and you have the cash already, wait for it to post and then you use that cash and pay it off. also how your credit's gonna go up.