<prompt> Human: Im trying to build my credit up so Ive got a prepaid credit card from my bank. Im all ready budgeted for what Im going to use my card on so I can pay it off completely or not. My question is whats better for building credit. Paying the bill off every month or keeping a small balance on it? If I pay it off every month I wont be charged interest. And what percentage of my credit does it start to look bad?  <response>: Pay the statement balance in full every month. There is no reason to pay interest, it doesnt help build your credit. 