<prompt> Human: I have an unsecured card that I just paid down to 0 earlier this month, with the plan of using it in small bunches each month and paying it off in full to help build credit. Should it be paid back down to 0 on each payment date so that no interest is charged? Or will it help my credit rating more if it goes through a cycle and then paid off?  <response>: The amount you see on the bill you receive should be paid in full before the due date.PSA: Always pay your statement balance in full every month. Only use credit for planned expenses. 