<prompt> Human: So, I have finally succeeded in getting my credit cards paid off down to zero. This is after a long and annoying struggle with this, but its finally taken care of.Now, an important question: How do I properly use my credit cards to build credit?Im somewhat uninformed on this subjet, so I want to be sure that I understand this. As I understand, if I use and keep careful track of my credit card for daily purchases and web purchases, but pay it off at the end of the month, Im good to go.Now, my questions is: Do I want to pay it off before I get the bill? Will I incur interest if I wait to pay it off until after Ive recd my statement? Or will that only occur if I leave that unpaid?Ive become fairly adept at managing how much I can spend from my checking account, and I have my checking and credit card at the same bank. Transferring a payment is quite easy.So, if I want to build good credit, what are some steps I need to take?Thanks!  <response>: Will I incur interest if I wait to pay it off until after Ive recd my statement?No. Or will that only occur if I leave that unpaid?Yes. Do I want to pay it off before I get the bill?No, wait for the statement. As I understand, if I use and keep careful track of my credit card for daily purchases and web purchases, but pay it off at the end of the month, Im good to go.Thats basically it. People get into trouble because they see credit cards as free money andor spend more than they make. If you never spend more than you make and pay your bills on time in full, youll avoid basically all the problems people have with credit cards. 