Monthly payments will build credit regardless of the account balance. If you carry a balance over 10% to 20% of the limit, your credit score will not be as high as it could be. To build credit without getting into trouble or paying high interest rates, use the account once per month and pay it off when you get the bill. I setup autopay on my utility bills to my credit card that pays me cash-back and then pay the credit card off each month. I am building credit, not paying interest and getting 3% cash back!
You should try to have at least 3 accounts that you pay monthly. A fuel card, a store card and a VISA/MC works well.