<prompt> Human: I have a low limit secured card to start trying tout build some credit. I have been paying double my minimum every month, leaving a smallhalf my limit balance depending on what I used it for. It seems pretty tough to find any information on what this is doing, as opposed to paying minimum, or using it less and paying off the small amount I spend on it. Anyone have any information on this, or maybe some advice?  <response>: Never, ever leave a balance on your credit card. Pay it off in full each and every billing cycle. The only extra thing you are doing is paying lots of unnecessary interest. 