<prompt> Human: I just got my first credit card from my bank. 250 limit since I go to school, and dont make much from my part time job. I dont have any pressing need for a credit card, just thought it was time to start building my credit.Today when I picked it up, and signed all the paper work, I was told that I shouldnt pay it off each month. The reason being that I need to have a payment report for if I want an increase on my limit.Is there anything preventing me from paying off everything besides 0.01? That way Im not hit by the interest fee to an extent where it actually matters, and still getting pay reports.Any answers or advice would be more than appreciated!Edit:I was also told not to use more than half of my limit. Why would they tell me that? Why not just half my limit if they dont want me to use it all?  <response>: Such bullshit advice. Always pay off your monthly statement balance in full and on time. Pay a few days before the due date because payments take time to process.However, maybe your issuer meant about paying before closing date. Try not to pay the balance completely before the closing date. You want to show some usage when your activity is reported to the credit bureaus. Charge what is needed, let the billing cycle close at the closing date, and pay off what appears as your balance in your monthly statement. If for whatever reason, you cant afford to pay off your statement balance, pay at least the minimum. However, I dont advise getting into the habit of doing this. Always pay it off completely and on time. 