<prompt> Human: Im 18 years old currently, going to a Community College and I just got my first credit card. They gave me a limit of 1,500 and thats fine since I just use it for small purchases for gas and other things. I pay every single thing off about 1-2 days after buying it. Do I still build credit by doing this? Or does having a zero balance somehow harm me? Im obviously very new to this so excuse me if this is a stupid thing to ask or if Im explaining things wrong.Assistant: Having a zero balance reported supposedly hurts your score. You could just pay the credit card once a month, after you get the bill. As long as you pay in full by the due date, you wont pay interest and you will positively impact your credit.Human: Thank you. I think this is what my mom was telling me but she was explaining it wrong.She also told me that its good to pay a little interest because that also helps build my credit. Is there any truth to this or did I completely misunderstand what she was saying?  <response>: There is no reason to ever pay even one cent in interest. It will not help your score, your relationship with the bank, or anything else- other than the profit margin of your card issuer. 