<prompt> Human: Hi all,Just wanted to get some opinions on a potential myth I keep hearing and see whether it is really true or just nonsense.The theory is that paying off the balance in full at the end of each month is actually seen as less ideal for credit companies because they can earn more with interest rates if I actually pay something closer to the minimum payment?So hypothetically, credit companies will see me as less profitable for them because I spend 500 in a month on the credit card and then pay the full 500 back at the end of the month rather than paying over the minimum payment but leaving some of the balance which accrues interest for them. Ive heard this is something other credit companies take into account.This sounds like something loosely pluasible but surely it cant actually work like that. Anyone have any experience which can dispelconfirm this?  <response>: Nope. Completely bogus, with just the teensiest hint of truthiness to make it sound good...Yes, credit card companies prefer people who pay as many fees as possible while not actually defaulting. They even jokingly call people who pay on time and in full deadbeats.That has no bearing on your actual credit score, however; and if you have a 750, you will have no shortage of offers for top-of-the-line credit cards, deadbeat or not. 