<prompt> Human: Hey folks,So my parents taught me from a very early age that credit was bad, and I should just focus on saving and only using money I have. At 27 Im just now starting to work on my credit and feel very, very behind. I have a had time getting apartments and the like, and also have very little knowledge of... well how credit cards work in general.My main question is based around something I read online but the article went into very little detail on the subject. It said its smart to pay off your credit cards right before the statement posts, that way the credit bureau reports activity on the card, but no money owed which is something they like also. So if I do that and pay it off early will I still owe an amount? Like a statement balance or something or will it just be 0 but still help my credit?I appreciate any input on this and if you have any other golden apples of advice of something I should know or wish you knew starting your credit journey late please feel free to say.  <response>: From the wiki in the sidebar: Should I pay off my credit card before the billing cycle ends? 