<prompt> Human: dont know if this is the correct place to ask this...but i was wondering if its better to pay off your credit card in full every month or have a little left over?if anyone can point me to some information regarding credit cards i would greatly appreciate it.thank you in advance. so everyone seems to be saying to pay off in full. thank you all for the replies. much appreciated.  <response>: Pay in full, always. It is never a good idea to pay credit card interest.I would argue it is not even smart to carry a balance at 0, unless you have the cash set aside in savings to cover it. A lot an happen in 12 months and all of a sudden your promo APR period ends and you lost your job or had some other emergency. 