<prompt> Human: So I went in to my bank the other day to open my first credit card. When I talked with the banker she said that it was wise to leave a small amount, like 5, on the account each month because otherwise the credit agencies wont see that Im using it if I pay it off fully each month. Ive always heard that its wisest to pay it off each month. Am I wrong or is she wrong?  <response>: As others have said, shes either misinformed or malicious. Pay your balance in full, in time, every month and maximize the use of any rewards you get. 