You just made a major purchase on your credit card to accrue those amazing cash back pzyments, and you have the money sitting in your bank account to cover the purchase. Should you pay your credit card early? You can pay your credit card as soon as you take delivery on that new living room set or smart refrigerator; you can even pay it off before the merchandise arrives at your door. Credit card companies make it easy with online portals or apps. You can also call the number on the back of your card to make a payment. The cycle repeats throughout the month. Use a credit card payoff calculator to figure id how much you mmoney save by paying your bill early. Paying your credit card early can also help your credit score in surprising ways.