<prompt> Human: I applied for a Discover Student card, Its not a secured card, but didnt require a security deposit for a 500.00 line of credit as long as I had proof of my admissions to my chosen University that Ill be attending in the fall. Anyway, Im looking to have this card until I can build enough credit and get a better card with a lower interest rate. As of now, I have 15 months of 0 APR and one late payment forgiveness period. I plan on not missing any payments, but Im confused on how the process works. What Ive been doing is just using the card for my main three expenses which are gas, food, and coffee. Every time I get a balance posted, I pay it off with my checking account. However, Ive been told that the best way to build credit is to pay off everything but 10 of my balance and when the statement comes at the end of the billing period, to pay off that 10 at that time in order to have the credit bureau see my payment. My mom who was a banker for several years just told me to pay off the balance to 0.00 every time a charge is posted, but I feel like this wont build my credit. Im responsible and dont spend more than I can afford to pay off, but Id still like to know the correct way to pay off my billstatement each month. Thanks in advance!  <response>: The Wikis FAQ has the answer you are looking for. 