on your last point, is it possible to pay a credit card balance too soon? especially for the cash back offers? or i can charge something to it in the morning and pay it off at night?

i got a new credit card in the beginning of the year that has cash back but i didnt touch it for months. recently i started using it for things i would usually use my debit card for with the intention to pay it off before the payment date. i havent been on a strict schedule but usually pay off a purchase within two weeks. to be honest i havent used it regularly as i am scared i dont have the discipline. i need to get past that. i think knowing how soon i can pay off a charge would help.

i probably wouldnt pay it the same day, if it even posts the same day but i would be paying it within a couple days. maybe pay it off every friday? are multiple monthly payments bad?