<prompt> Human: I am getting a new credit card and it will have 0 APR for the first 6 months. My mom said that I should only pay the minimum required each month until the APR increases above 0 in which case I will be paying the balance in full before the end of each month, no exception. I was wondering if doing this truly helps my credit in the slightest or just stops it from being able to build as much as it could have. I have heard about this from a few different people, too.Edit: Thanks for the feedback everyone, I will be paying it in full each month since nobody was able to provide proof that paying only the minimum on 0 actually benefits the credit score it actually could hurt it.  <response>: It doesnt help your credit in any way. It may hurt it slightly and in the short term because of higher utilization percentage. It also reinforces bad habits of not paying the balance in full every month. The only time this is a good idea is if youre using the card to finance a specific, relatively large purchase at 037;, and in that case you shouldnt be paying the minimum, you should be paying enough to cover the entire cost before the end of the promotional period. 