<prompt> Human: Firstly Id like to thank everyone for taking to the read and respond, this is my first post so I apologize if it breaks any rules. I recently got a secured card from Capital One,I have a 200 limit. I plan to use it for my monthly phone bill, and Netflix only which would total 60 a month. I have absolutely no credit and got it through Credit Karma. I am looking to build my credit and I had a few questions. My questions.-Does it matter if I pay off the card immediately after I use it? I.E. as soon as a transaction hits the card I pay it off. -A few people I know told me that I should let a little bit slide every month so the company makes some money off of me. Does this serve any purpose? -Would getting a second credit card help to also boost my credit? Or is it more like the total amount I spent over all that raises my score. -Are they any other ways I can strengthenraise my score? Note: I dont intend to spend a single dime I dont have in my checking account to ensure I dont make a payment.  <response>: Dont pay interest, it does not benefit your score in any way. Pay your statement balance before the due date. You will get a statement each month with the current balance, statement balance and due date. You can make extra payments if you find that you are using up your credit limit too quickly. 