<prompt> Human: Hello rpf,I was drinking with my friends the other night and, oddballs that we are, the subject turned to building credit, and using credit cards, and improving your credit score.My stance stolen from this subreddit: Use your credit card, making sure to keep your credit utilization at a decent level. Every month, when your statement period closes, pay off the amount in its entirety, ensuring that you pay 0 in interest.My friends stance: Use your credit card, making sure to keep your credit utilization at a decent level. Every month, when your statement period closes, pay off some, but carry a small balance over to the next month, ensuring that you pay a small amount of interest. My friend swears that carrying a small balance, and paying a bit of interest, is actually BETTER for your credit score. I told him I thought that was crazy. The thing is, we both have credit scores above 700, hes usually pretty good with his money, and another friend agreed with him on this. He did add, however, that the difference is small 2,3, 5 points.Is he right, or has he fallen victim to some kind of urban legend?  <response>: Pay it off in full every month. 