<prompt> Human: I have a 3,000 limit on my credit card and want to know the best way to handle payments. Ive gotten advice a few places that recommend to leave a 30 balance on a monthly basis and then pay it off in full every once in a while. Ive also been told to hold a 15-20 balance.Is there a magic formula here? Should I be paying this off in full every month?  <response>: Every month. 