<prompt> Human: I have heard conflicting reasons on how much of balance I should have and how much I should pay. I currently have capital one platinum card and 500 max. I have 100 in balance on it. 1 I was told I should pay it off in full every month to have no balance ever. 2 I was also told that I should have balance of no more than 25-30 ever and somewhat have a balance so my credit company gets some money via interest and will be more likely to like me. I am trying to build my credit score as I literally have nothing college student, my plan right now is never let balance go over 140 and I pay 35mth auto pay from my bank. Is this right thing to do?  <response>: Always pay your card in full every month. Never carry a balance. 