<prompt> Human: A guy at my bank said that to build credit fast, I have to wait until after the payment deadline on my credit card so interest will build up, and paying that small amount of interest is what helps to build credit. This sounds ridiculously inane, counterintuitive, and against any logic. Is the banking system really that corrupt? Or is he wrong?And the strange thing, I cannot get a definite answer on this. A friend whos an IT expert says this paying interest is true, while another financial analyst is saying the banker is trying to make more money... So which is it? Thanks for any advice. Im completely new and ILLITERATE when it comes to financial matters, so explain to a 3 year old if you can, thanks  <response>: No. just no. wait for the statement and pay the balance in full by the due date. 