<prompt> Human: I see the whole spiel here constantly, if you want a credit card you have to pay it off in full otherwise those awful interest payments start adding up.Heres a shocker, Ive got about 3k in revolving lines, and ... I carry a balance. Not a lot, and it varies every month. I could easily pay it off, but I think one of the most ignored aspect of credit scores here is utilization. Having revolving credit lines and having them at 0 every month can negatively impact your credit score.On average, if I were to carry 1000 balance on my 3k of credit, that is 10 per month. Just like paying off any sort of loan, the interest you pay is the cost of building your credit. Creditors want to see that you can pay back your loans, having a 0 balance after every pay period doesnt show that. Unless you are carrying multiple thousands of dollars of debt on revolving lines, the whole avoid interest thing, in my opinion, is one of the most overblown mantras constantly repeated here.  <response>: Youre utterly wrong. Paying in full at the due date doesnt set credit utility to 0. Credit utility is calculated for credit cards based on whatever the statement balance is for that month, and credit utility changes every month. It has no lasting effect on your credit score. 