<prompt> Human: I have a Capital One Cash Rewards. Do I pay interest on any balance or is the minimum the amount I need to pay for this pay period? I am confused as to how much and when I should be paying.Assistant: you should pay it completely off ie the current balance. IF you can not do that you are spending too much. Else pay as much as you can afford the lowest amount you can pay is the minimumHuman: My ability to pay isnt an issue. I have way more money than Im using on the card. I just want to know how long I should keep a balance to actually build credit.  <response>: I just want to know how long I should keep a balance to actually build credit.Holding onto a balance such that you are charged interest _never_ helps your credit rating. This is a horribly damaging urban legend which I suspect was started by the credit card companies. Think about it: the purpose of a credit rating is to determine _how good a risk you are_ for purposes of lending money. A good credit rating effectively says this person will repay money owed most, if not all, of the time. A low one says the opposite.Holding a balance to increase interest doesnt change how good or bad of a risk you are. 