<prompt> Human: Ive heard people talk about using credit cards to build credit history by buying things on the card that you can and do pay off by the end of the month, so as to avoid interest. Is this actually a good way to build credit history or improve ones credit score; and if so, could you do the same with loans for things like cars for which you dont have a high enough credit limit on a card?Ive also heard that its better to keep a small balance on your credit card because it somehow improves your credit score. Ive also heard that this is a myth. Which is it? If true, would some similar reasoning apply to larger loans? For instance, if I take out a loan for a car, intending to pay it off on the first payment, would it actually be better for my credit score to pay it back over the agreed term of the loan?  <response>: Never keep a balance. Its just dancing with the devil. 