<prompt> Human: I recently got a credit card through Bank of America in the hopes of building up my credit score for when I get older. Being new to the whole credit thing and finance in general, I decided to ask my aunt the best way to build up my credit score. She works in finance for a big corporation, so I figured she would have some good advice. She told me to pay a little above the minimum payment each month to show that you are able to establish a history of making increasing payments. She specifically said to not pay it off right away each month. In my mind, Im thinking that sounds like BS because then Ill have to be paying interest. But whatever, she knows what shes talking about, right? My dad on the other hand, pays the statement balance every month on all of his bills and from what I know he has a pretty decent credit score. I also recently found out that my aunt again, who works in finance is supposedly in debt herself! So tell me rpersonalfinance what is the best way of making payments? Personally, paying the statement balance seems more logical and is easier to me, but I dont know.  <response>: Replace friend with Aunt in the title of the following post. 