<prompt> Human: For some reason the advice of make sure to keep a balance on your credit card to pay interest every month, or it wont build your credit comes up a lot more frequently than Id expect.Im pretty sure just having a credit card builds your credit if you use it at least enough so it doesnt get closed. Please do your best not to carry a balance.Am I wrong about this? I tried researching it and theres no indication that interest paid is a factor at all. Even if it was thats the whole point of boosting credit: paying lower interest. Having to pay for that would be silly.  <response>: I have tried and tried to explain THIS to so many people who are voluntarily paying interests on their credit cards to boost their score. I have just given up now. 