<prompt> Human: My boyfriend and I went to the bank to open a secure credit card for him to help build up his credit. After explaining how the card works i.e. we put 300 onto the card and thats our limit the rep told us that we should not pay off the entire amount, pay more than the minimum, but keep a small balance for the following reasons:1. It doesnt report to the credit bureaus if you pay it off every month2. Paying off your balance every month shows you dont actually need the credit, thereby discouraging institutions from giving you credit.I looked at her like she was insane, but then I started questioning if this was true or not. I have never kept a balance on my credit cards. I pay them off every single month. I have never paid one red cent in interest. Could my credit score be higher if I did leave a little balance? It feels a little pay to play to me, but Ill be the first to admit I am not an expert in the finance field.  <response>: 1. It doesnt report to the credit bureaus if you pay it off every monthThats just not true. 2. Paying off your balance every month shows you dont actually need the credit, thereby discouraging institutions from giving you credit.Thats the opposite of true. 