<prompt> Human: I got a credit card with a 5000 dollar limit, to me thats a lot its the first time Ive ever been given that much money. Just recently I made it to 2500 on my credit card. I told myself once I hit 3000 Ill pay it off until it gets to 0. I have not been paying the minimum statement, and Ive only made two payments. One of 485 and the other of 888. All within a two month period. Now my question is, is this ok, does this raise my credit score faster or the same as if I were paying the minimum payment ever month?  <response>: You should pay everything off every month. Its a myth that having a higher balance builds your credit, and not paying the minimum will actually lower it. 