<prompt> Human: I paid 300 to use an unsecured credit card from my bank, Wells Fargo. I am wanting to help build my credit so in the future I can get a loan for a vehicle. Obviously I wasnt accepted for an unsecured card. Ive heard two separate things as far as paying off my monthly bill. 1. Use your card, and at the end of the statement, pay it all off. Completely. Never owe a balance.2. Use your card, and at the end of the statement, pay 75 percent of it off. Always owe a small balance. Which is correct? If I owe something, wont it charge interest? Which is A LOT for a secured card How much of my 300 dollar limit should I spend a month? Or does that part not matter?  <response>: Option 1: Never carry a balance, its a stubborn rumour that carrying a balance will help you build credit, but it simply isnt true. 