<prompt> Human: I have a decent credit score 746 and I am 26. I recently had to make a large purchase 5000. I have the cash to pay off the debt right away but I was wondering if I should pay it off more slowly to build better credit. I am not planning to finance anything major soon but I was thinking this might help me in the future. Currently I am financing a car and qualified for the loan on my own at very low interest. My past practices have always been to pay my credit card in full every month and I have never defaulted on anything.I have heard conflicting things - most people have said that paying the credit cards in full every month doesnt really build credit but I think my credit score is pretty decent, despite the practice of paying it off. I basically use my credit card as a debit card responsibly because I get cash back plus I get that extra month of interest in the bank even though its hardly noteworthy, but I rather hold onto my money for longer than shorter. Or should I not worry about it because I have been paying off a car?  <response>: No, your credit score is good, and it will improve to excellent in time.Paying credit card interest like that is a total waste of money. 