<prompt> Human: Im almost 24 and I have beginner credit. I just got a new job, and I live with my fiance. We just got a joint account, and I got a credit card with my bank both the joint and CC is with my credit union bank with a 500 limit with 11.6 interest. Before this I just had a savings account and a checking with a debit card. My fiance talked to an advisor this morning for herself, and me. The advisor told her to build my credit I should use a small amount of the 500 on something I would already buy, which I was just planning gas, but she said to keep a small amount like 1 balance so that it supposedly looks better. It doesnt sound right to me. I read the side bar stuff and it said that keeping a small balance is a myth. Wouldnt paying the whole thing be better?And just a fyi, I am really responsible with this stuff, and I dont screw around with it. I want to have good credit, and be in good standing with my accounts. We will make a budget for both of us, and we are able to pay our bills just fine. Any and all advicewords would be greatly appreciated!  <response>: keeping a small balance is a mythCorrectWouldnt paying the whole thing be better?Also correct. The biggest factors to a credit score are history of on-time payments, usage percent, and age of accounts. Because of this, its really just a waiting game. 