Isn’t that just not true?

https://www.capitalone.com/learn-grow/money-management/credit-myths/

Myth No. 5:  You have to carry a credit card balance to build credit

If you don’t pay your credit card balance in full, it’s carried over to the next billing cycle and considered a revolving balance. And that unpaid balance might accrue interest.

You don’t need to carry a balance to build credit. According to the CFPB, “Paying off your credit cards in full every month is the best way to improve a credit score or maintain a good one.”

Fact No. 5: You don’t have to carry a credit card balance to build credit

While carrying a balance isn’t necessary to build credit, a healthy credit utilization ratio—which measures how much available credit a person is using—is an important part of credit.

In addition to paying off credit card balances in full every month, the CFPB recommends keeping a credit utilization rate of less than 30% of your available credit. That can be a way to show you’re responsible with credit.

I pay my credit cards in full every month and accrue zero interest and have excellent credit…

I’m confused - you pay off almost all of your credit card and you’re “spending even more money in the long run”. Why not just pay off all of it? Surely if you were able to afford your bills with cash, you’d be able to pay off your credit card in full every month since the bills would be the same?

Ah, but when the bad employees make messes that you then need to clean up? Or someone makes a mistake and everyone on the team gets reamed out because “we’re a team and someone should have caught that, so it’s everyone’s fault”?

I’m a software engineer.