<prompt> Human: Im a student and finally got a credit card to build some easy credit. I feel like I should be paying my balance in full every month so Im not being charged 20 on top of it but Ive been told to let it accrue some interest so my credit score goes up. Its at 680 at the moment so its not horrible but Ill be starting to pay my loans back soon and I suspect that might have a negative impact.EDIT: Thanks for the advice, everyone. Im not planning on accruing any interest.  <response>: This is terrible advice. If you can afford to always pay it off always pay it off. Holding a balance wont help your score. 