<prompt> Human: Hello,I am a 24 year old college student who earns a living from the GI bill, this is because i am a veteran. I currently have 900 in credit card debt and i usually pay a of it a month just to build credit. I currently have around 4,000 dollars stashed away and i would like to know if i should pay it all now, or wait and keep making sustained payments. The reason i ask is pretty obvious; what is something bad happens?Thank for the advice.  <response>: Never carry a balance. It does nothing to build your credit. All youre doing is throwing money away on interest. 