<prompt> Human: I see a lot of people who say they pay off their credit card every single month. Isnt that a little bit of a waste of a credit card? Say you put 500 dollars onto the credit card, what boosts your credit more over time, paying the 500 off before the interests kicks in, or say pay 100 dollars each month for a few months while paying some interest. Because wouldnt the bank want you to pay more months of interest so they could make money? Someone pls school me.  <response>: You should never carry a balance if you can avoid it, paying interest doesnt do anything to improve your credit score. 