Anyone know of..

[ABV]

Actually you don't want to carry a balance at all from month to month. Even if you pay it off every month, the CC will actually show a balance on your credit report. They usually report to the credit agencies once a month, and whatever the balance is at that time, is the balance that will show on your report. So it's possible to have it paid off every month, and still build credit by showing that it's being used.