<prompt> Human: Just got my first credit card a few months ago, and I recently made a purchase for my mother, about 256. My father told me to not pay it off all at once, but pay only part of it, then pay the rest plus interest, in order to build up credit. He says that letting the bank have some of your money will build credit faster. I feel like this is counterintuitive though; wouldnt it be better to pay it off all at once to show that you are more responsible and can pay on time? Im also sure that the paying interest for credit thing is a myth, but I need to be sure.  <response>: This makes no sense. Dont pay interest. Pay off the credit card bill the moment you get it; this will help you build good credit. Its a myth that leaving a balance and paying interest will help your credit score. FYI, interest is a bad thing if youre paying it. 