<prompt> Human: So my parents started using one of my credit cards and used it to the limit. Now, I have the financial means to pay it off and have my parents pay me off every month which they will, thats not an issue, the logic being Id rather show the CC companies that I can pay it off in full instead of doing the minimum payment every month.Now, my parents INSIST that I shouldnt pay it off in full and that I should pay as close to the minimum as possible because my credit score will go low because if I pay it in full then the CC companies dont see me paying it off little by little every month, and thats bad. Whats the best course of action?UPDATE: Decided to pay it all off! Thanks for the advice guys.  <response>: Pay it off. The credit bureau doesnt care if you pay in full or pay over time, as long as you always pay on time and stay under 30ish of your available credit. The credit card company would love for you pay over time because they get to make money off you by charging interest. If your parents maxed it out as you say, paying it slowly may actually have a negative effect if youre close to your credit limit every month while you pay it downAs long as you use the card semi-regularly for just a fraction of your available credit and pay on time, your credit score will be fine. You dont also have to pay interest to achieve the same thing. I would also suggest not letting your parents have access to your card if theyre going to max it out and not know how to handle it. 