<prompt> Human: Hello!So Ill be turning 24 this year and Im getting ready to move in with my girlfriend in January 2016. Im trying to get my life in order a little bit before making the move to start my new life with someone. I had a couple questions that involve debtcredit cards that Id love some answers too. I only have one credit card. I only have about 350 worth of debt on it, that I pay off, 50 a month.Now I can pay off the whole thing in full, but Im trying to build up my credit, so I pay off a little bit every month so each month my credit rises by a few points. Is this a smart move? Or am I better off just paying it off in full so I can get my maximum credit points? Its a student card, so I have like zero to no interest on it. But last June-August I missed three months of payment because Im an idiot, and my credit score went down a lot. I havent missed a payment yet tho and never plan to again.I dont charge anything to the card anymore. It actually expired, and they sent me a new card, but I never activated it because I wanted to make sure I paid it off first, and not be tempted to charge anything else. So should I pay it off in full or continue to make the 50-100month payments that I have been making in order to bring up my credit?My other question involves Taxes Owed A New CardSo the only other debt I have is some tax debt. Its not a huge amount, but because Im self employed I end up owing taxes at the end of the year. I missed a few tax seasons these last few years, but I ended up getting caught up this month and filing everything that needed to be filed. I called the IRS, checked in with them, they said were cool, and theyre putting me on a payment plan to pay off what I owe. I owe about 8000 in taxes. Not a huge amount, but not pocket change either.I wanted to know what the best way to go about this would be? I can afford to pay at least 100 a month, but Im going to work overtime and try to pay at least 300-500 of it off a month. I was wondering if I should get a credit card and charge the monthly payment to the card? Of course I would pay the card off in full every month, but I wanted to know if this would be a smart move so I can kill two birds with one stone and pay off my tax debt while raising my credit score...What are your thoughts on this??Also, if the credit card route is the way to go cause I really want to build up my credit before moving into a new place next year with my GF, so theirs no trouble when it comes to applying what credit card should I go with? I know all credit cards give different rewards and have different interest rates, and caps. But what Im looking for is basically a card that has really little interest, has a 500-1000 cap, and although reward points arent required for me to choose that card, if its too good to turn down, Im open to it. Ive only had one student credit card which is now expired, so Im pretty clueless.Thanks so much for reading this and answering these questions. I could really use everyones input. Thanks!  <response>: Pay off your credit card debt in full every month. It is simply not true that not paying in full raises your credit score any different. It only adds more interest you have to pay, and whoever told you to do this is an idiot. 