<prompt> Human: Im a 20-something recent college grad and I just moved home to save money. I had a credit card with a limit of 1,500 that I maxed out emergency car repairs about 3-4 years ago and Id been continually paying a little and maxing out again every month as I havent had enough money to consistently make payments without using it. I havent maxed out in 2014 and Ive been making the minimum payments every month.Now that Im at home and saved up a few grand Im wondering if its best to just pay the credit card debt all at once so I can improve my credit to get a new apartment. Or should I continue to make purchases on the card while paying off more and more each month? Which is better?I dont know my credit score, but I can assume its terrible. Im looking for an idea of the best way to improve it with an almost maxed out card.  <response>: Dont pay to build credit. Pay them off if you can. Pay them off every month and never pay interest. Your credit will improve regardless. 