Credit Advice

Some advice that is worth what you have paid for it... Pay it all off as soon as possible; there are several reasons for this. Credit card interest rates are typically high, so it is a waste of money to unnecessarily carry credit card debt. Secondly, balances (even when paid in full at the end of the month) are usually reported to credit card bureaus, so your utilization will appear regardless of whether you only pay the minimum. Lastly, paying in full will not negatively affect a credit score.

Pay the balance off every month, but always carry a new balance the next month. The goal is to always utilize a small portion of your credit in order to build a reliable credit history, but not put yourself in a situation where you charge more than you can afford. It will not negatively affect your score (it will cost you in interest) to keep the remaining balances, but you should never utilize more than 10% of all credit accounts, as this will lower your score.

you should always pay the most you can, if that means paying in full then pay in full.

Of course the flip side to this is never pay less than the minimum.

Always pay it off with each bill. Collecting interest can kill your pocketbook.