<prompt> Human: I got a discover card for students.This one in particular:link interest is 21.99 and my credit limit is 500. Im 21 and bought my first car in Feb. of this year, which I havent missed a single payment. Because I had some credit, I decided to get a credit card for emergencies. I also have a school loan of about 2000. In about a week, Im doing a mini-vacation where I plan to spend, max of maybe 175.Would I be stupid to not pay the whole balance when my first bill comes in the mail? I know to make sure to not just pay the minimum payment but at least more than what it says.I want to use my credit card successfully but not get myself in trouble either as I want to build my credit. Im so new to this and everything just seems rather confusing.  <response>: Would I be stupid to not pay the whole balance when my first bill comes in the mail?Yes. You dont need to pay interest to build credit. Always pay off your balance in full every month. 