It depends on other factors, you should pay the credit card ontime keep in mind that you must reduce the balance of your credit cards to 30% and below of your credit limit. If you have a credit card with a $5,000 limit, your balance reported to the credit bureau should be $1500 and under in order to have a excellent credit score. If you go over this amount it will affect what is called your "utilization rate Credit score formulas respond favorable to utilization 30% and below.It's a good idea to assess all of your credit cards and align them correctly with this formula.
Source Credit Bible by Phil Turner.
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