<prompt> Human: Article here with pretty good advice. Even though your score may be rising, its costing you hard cash to carry a balance. Pay it off!  <response>: That gives me such anxiety. Ive screwed up a lot in my life but in the 15 years since I turned 18 I have used my credit card as my primary method of payment and havent paid one cent in interest. I have made tens of thousands in cash back. I pay it off in full every single month. 