<prompt> Human: So as the title says I just got my first credit card, 1K spending limit Chase Freedom 0 for 15 month then 23 APR Maybe shouldve looked for more offers but they are my bank and to late to switch now. Ive been doing a little browsing and have read that the requirement of keeping debt to build credit is a myth. Should I be paying off everything in full every month, or can I wait to do that until Im closer to the end of the 15 months? As of right now Ive been doing all of my spending with it but have the money set aside to pay it off. But Black Friday is coming up and I was hoping to bang out holiday shopping with the card and then pay that off over the next month or two. Is this ok or will it end up hurting me in the long run? Also would gladly take any tips on making the most of my card and my 15 months of no interest.  <response>: Pay it off fully every month and dont change your spending habits. You lived within your means before the credit card you can surely do it with the credit card in your life. 