<prompt> Human: Ive been reading around and there seems to be different advice on the matter. Im too new to discern who gives better advice, and the credit game is weird so its hard to tell what is good or bad advice sometimes. The majority seem to feel paying off the balance every month, after the statement has been issued this way the amount is reported, is the best way as it will save you interest charges and increase your score. Others say to REALLY play the game, you need to allow 1-2 to remain on the card and pay the interest, but apparently that speeds things up? What, if any of this, is true and good advice? I just got my first CC in a while and am trying to be a responsible adult and build up my CC. Any help is appreciated, and I apologize as I can only imagine this has been asked a bunch of times.  <response>: Paying off your balance every month is the best way to go, paying interest is wasting your money and does nothing for your credit. Once the statement is issued the balance is reported and no one except for you or your creditor will know whether or not you paid interest on that balance. If you are carrying a high utilization while still paying off every month, be mindful about this when you are applying for credit as you should have less than 20 utilization to boost your score even if paying in full every month.TL;DR Never pay interest, it does nothing for your score. 