Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Should I really pay off my entire credit card balance each month or should I maintain some balance?
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.