<prompt> Human: For the past few months I have been putting about 500 on my CC per month, and paying it off at the end of the month. Does this actually do anything? Am I charged interest if its paid off in full every month? Thanks yall.  <response>: Yes, it builds credit because it shows you are responsibly using it and paying it off based on the terms you agreed to.You dont pay interest unless you carry a balance to your next billing cycle. 