<prompt> Human: I was watching a video on credit and the guy said that paying off your credit cards in full each month helps you form no credit with the bank. He said you want to make payments over a time period. I was under the impression that it was best to pay it off in full each month. I am a recent college graduate about to get my first credit card. I really want to build my credit, what is the best approach?  <response>: hes a moron, pay your statement balance in full before due date. This is the best and cheapest way to build credit. 