<prompt> Human: My mom tells me I should always have a balance to pay on my credit card.The original way I used, I paid of my credit card in full each month.BQ: My score is in 600s, how long will it take to get that up?  <response>: Pay in full each month. Credit is built upon life of the line of credit, and keeping it in good standing. Carrying a balance just costs you interest.The build up can be slow. Just keep using the cards, paying in full each month, and the score will go up. 