<prompt> Human: Apparently your credit builds faster by not paying off in full every single month because as he said it shows that you didnt use it if you pay it off in full monthly and that always letting 30 or less of the maximum available ride on from month to month shows that you can handle your finances and builds credit faster... Im confused. What do you guys say about this? Ive been told to always pay it off in full.  <response>: It doesnt work like that. What companies look at is the amount of credit you have available currently and your credit utilization rate. So if you max your cards, youre at 100. Even if you pay everything monthly, there is still some utilization. When someone checks your file, they will see what you spent that month. You want the utilization rate to show you can manage your credit, so a lower rate is better. Your credit files only show youve made the payment on time. It doesnt show what you paid or if this was the minimum. It shows the current balance but the person checking your file wont know if thats a balance you carried over from previous months, or if youve just made a big purchase.There is absolutely no point in paying interest on a credit card if you dont have to. It wont improve your credit file at all and will cost you money.Ive paid my cards off every month my whole life. My credit rating is excellent because I pay on time and my utilization rate is low. 