<prompt> Human: I am 20, credit score is 750 Ive only had a credit card for a few years.Is it fact or fiction that it is better to carry a small balance on a credit card from month to month to build a better credit score? I have been paying all but a small difference from my balance each month ex: if my bill is 300, Ill pay something like 295. Does this actually build credit, or is it a myth? Not sure if I should just be paying the full balance or to keep paying the way Ive been since I got the card.Follow up question: does the amount you spend in proportion to your credit line affect your credit score? assuming you arent hitting your max. If so, whats a good amount to spend? My credit line is 1,500. Assistant: Im really curious where people keep hearing this myth. Other than people on this sub asking about it, Ive never come across it. Do you remember where you first heard it from?In any case, that is a complete myth. You do NOT have to keep a balance, big OR small, to improve your credit. Pay your statement balance in full every month is the best way to increase your credit in the long run without paying interest fees.As for your other question, yes it does matter, but only if you are seeking other credit i.e. you need your score to be high. below 30 is a good number. So on at 1500 limit, keep it under 450 for the few months before you will seek credit new loan, mortgage, apt lease, etc. Any other time where you dont need your credit score to be at its highest, go ahead and charge whatever you need, as long as you dont get hit with an over the limit fee. and you continue to pay your statement balance in fullHuman: I heard it from my father. I go to him for all financial advice as he is generally very organized as I like to be. His explanation was that when getting a loan, the loaner would rather see that you accumulate some interest over time as that would benefit them.And does that mean not paying the full amount could have slightly negatively affected my score until now, or is credit score not negatively affected unless you pay under the minimum?Edit: forgot to say thanks for the tip!  <response>: Pay your statement balance, in full, by the due date. This is it. No special tricks, no partial payments, no trying to game the system. And most importantly dont obsess over your credit score. 