Yeah but I mean, there are specifically credit building cards and other credit building ideas that doesn’t include actually paying.
I’m also under the impression making regular payments and holding a balance is good for score building, but surely you wouldn’t on that rate?
Another idea to build your credit might be Loqbox or something of the likes. Yonder if it accepts people, would give you some tangible benefit.
I’m not sure you really need to ‘build’ your credit though. I managed to get a card with AmEx on 0 history.