<prompt> Human: So i have a 10 g credit limit, and its been suggested to me to use credit as much as possible to improve my rating, as well as capitalize on reward points, and to win on the time value of money. Ive also been told not to pay it off entirely every month as it wouldnt improve my rating as much as keeping a small balance does. What level of debt should I keep myself at to maximize my benifits? Currently Ive been keeping it at about 2500 and just make a payment to get back down to that every month.  <response>: None. Never carry a balance on a credit card past the statement due date.Ive also been told not to pay it off entirely every month as it wouldnt improve my rating as much as keeping a small balance does. Whoever told you this is someone you should never take financial advice from again. They clearly dont know what they are talking about. 