Negative available balance on credit card, should I pay it *all* off?

Or should I pay it down to below the 25% that is usually recommended so that I maintain credit history with this account?|||If you can afford it, you shoudl always pay off the whole balance, otherwise you're just throwing money away by paying interest.|||I suggest to just pay it down, with the economy right now, credit card company will find a way and reason to lower your line of credit. If you pay off your credit card theres a 50/50 chance that your they will lower your line of credit. So, just pay it down and make sure your account is always current and paid before the due date.|||Pay it all off. Zero is below 25%. Its not worth paying steep interest rates just to "build your credit" which serves only to allow you to take more loans and pay more interest later. You will "build your credit" sufficiently well by carrying a zero balance on your cards.|||Pay it off. Charge an amount every month you can pay off every month. You will then have a credit rating to be proud of. How do I know? I changed my credit rating from below 600 to what it is now-786. Darn near perfect! Takes work and sacrifice, but so worth it!|||hi, personally i would pay it all as quick as i possibly could, because having a bad credit history is a dangerous thing, if you have bad credit it causes problems like, not being able to get a mortgage, not being able to have credit for anything and thats not good when you most need it.