<prompt> Human: He said that to get a good credit score, to use 50-75 of my credit limit and to not pay off the full balance and have 25 go over to the next statement. That sounds very sketchy. The posts Ive read from rpersonalfinance suggest 15-30 utilization and to pay off the balance in full. Does what hes saying have an ounce of truth to it? Assistant: Its fantastic advice... compared to using 100 of your limit and throwing your statements in the ocean.Human: I thought so. But are they allowed to to lie directly to you like that? I asked him straight forward questions and he purposely gives me completely wrong information. I feel like that should be illegal or something. Like you have high cholesterol and your doctor tells you you should eat as much fatty foods as you can.  <response>: I wouldnt be surprised if the official BoA training told CS reps to tell customers that carrying a balance was a good idea. Its not technically lying because Im sure there are some people out there carrying balances that have higher credit scores than people without balances. But carrying a balance might not be the reason theyre score is higher. 