<prompt> Human: My brother and I were talking the other day and he said that his credit score has gone down since he made his payment that month in full. I do this every single month at the end of the money since this is what I was advised to do from a young age. Have I ruined my credit by doing so?  <response>: Your brother doesnt understand how credit scores work. Pay off your credit card in full, dont carry a balance. 