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silviadriver:
if you pay off less then the full amount, but above the minimum; you basically are letting the credit card company make a little money off of you. pay in full every month and they don't get their finance charge. you haven't missed a payment so it's not bad for your credit. if anything you make your cc company like you a little better b/c they made some money off of you.
pay in full : cc gets no money from finance charge (cc company not happy)
pay in minimum : most likely your debt is going up every month and you aren't showing you can handle it b/c you pay the bare minimum without thought of paying back the whole debt (irresponsible, cc company not happy)
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