as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
should i really pay off my entire credit card balance each month or should i maintain some balance?
user
always pay on time, and stop listening to whoever is telling you not to -- they are clueless. credit cards are revolving accounts with a grace period. the balance owed is due on the statement date, and you have a grace period of 20-40 days to pay.  paying bills on time is the single most important thing that you can do to have a good credit score. always pay on time.
assistant