<prompt> Human: Just a little info about me, Ive had a credit card since I was 18 and been really good with them. I dont use more than 30 and have build up credit! Now I want to keep building up my credit, but the dealer guy told me to at least wait a year to pay off the car. But I dont want to be in debt for so long. So im wondering if I pay the 9,000 in 6 months would that be enough to build credit? Assistant: Pay it off asap. Just get a credit card and pay it in full every month to build credit.Human: I have a 2 credits cards with 0 apr until next. I just dont know if its a good idea to maximize those credit cards!  <response>: ...I dont think youre hearing what uwhiteraven4 is saying.The APR on your credit cards shouldnt matter. Pay off the balance due, in full, every month, without fail. THAT is how you build credit.The salesguy doesnt want you to pay off the car early because they lose commission if you do. You should pay the entire loan off as soon as youre able to do so; you should never pay interest to build credit. 