<prompt> Human: I am wierd and like to pay everything in full every month so I dont get charged the interest rate on my credit card. I have credit score of high 600s. Would my credit build higher if I took some debt on? As in only pay minimum?  <response>: NO it will not help you to carry a balance. It costs you interest for no reason. You are doing the right thing by paying off the balance in full every month. 