<prompt> Human: I read the FAQ, and I have a general idea of how credit works and how I should go about taking care of it, but my question is what exactly are the pros and cons of paying off all credit in full at the end of each month vs. paying off a large credit over 6 months?I get that my banker is trying to make money for her bank, but does she have any merit in saying that spending 200 in credit and paying that off in full at the end of the month, over 6 months to build an initial credit line, is NOT better than spending 500 and paying that off over 6 months? Whats better? Showing you can make payments on big things, or showing you can pay off your credit line at the end of each month on small things? I got a secured card for 400 at 13.5 regardless because Im 21 and its time for me to start building credit, but whats the best route for me to take? I have no credit right now, and my parents have very bad credit Im not sure if this plays into the banks view of me, or if they can even see this informationI was planning to potentially get a car at the start of next year through my bank assuming they have better rates, which Im going to guess they willAssistant: Pay it off in full every month. Dont listen to the banker, thats just an urban legend they heard somewhere.Human: If I pay it off in full every month does it still take into account the interest rate? Or is that just after the 1st months payment?  <response>: Your only charged interest if you carry a balance over to the next month 