<prompt> Human: Ive been told to keep my credit card balance at roughly 20-30 of the maximum credit line available. Is this just a myth? I would like to pay it all off. Does keeping a low balance increase credit score?EDIT: Thank you everyone for your advice, Ive really learned a lot. Im still new to the credit system college student with only a few years of one card and just want to be careful not to ruin my score. Ive learned to keep utilization under 10, but pay off the balance as soon as the statement is due to accrue usage on the card without having to ever pay interest. Cheers.  <response>: No, dont keep a balance. Pay off the statement balance in full every month on or before its due date. 