<prompt> Human: Right now my only source of building credit is one credit card that I pay off every month in full, and a student loan payment every month if that counts. One of my co-workers told me that I am not getting any advancement on my credit if I pay my CC off in full, and rather I should just make payments on it each month instead.Is she correct? It just doesnt make since that paying off a credit card each month doesnt count for anything but rather paying just partial payments does. I have been doing this for 3 years now.EDIT: Thank you all for the answers! I wouldnt call my co-worker an idiot but rather misinformed it seems. I will continue to pay my credit card off in full on the day it is due :Assistant: Paying off the balance each month is great. If I were you, I would check with local credit unions not banks and seek a small loan. Open an account, put the proceeds of the loan into that account and let the payment draft each month for 6 months to a year, then pay it off. This will build your credit and it will cost very little. Credit unions usually offer the best rates on credit cards and car loans as well. Best of luck and stay smart!Human: Sounds like a great idea. Are there any national ones that are best to seek out? Or should I just check around my area?  <response>: Its a terrible idea. Shes referring to a personal loan. The interest rate will likely be in the double digits. Why pay double digit interest on money that you dont need? This is basically the same as your co-worker suggested: pay interest unnecessarily. 