<prompt> Human: Im in my early 20s. I just got my first credit card Chase Slate. My mom says to only pay off 80 of my bill, in otherwords, to always maintain a minimal balance of debt to help build credit.Ive also heard doing this to build credit is a myth. Thoughts?  <response>: All its building is the amount of interest you have to pay. Paying it off in full is the best option. 