<prompt> Human: Im aware its best not to carry a balance on a credit card. However, I have my Visa set to autopay the past months balance on the 7th of each month, using the balance in my checking account.This current payment will pay off the balance on my card as of October 10th. Therefore everything Ive purchased between then and now remains as a balance. I am not charged interest, as I received 0 for my first year as an introductory offer. Should I be doing this differently? The only other way I see to do this would be to manually input my full balance to pay off every month. Will either option have an adverse impact on my credit score? Anyone have experience with this? Thanks rpf!  <response>: The way the auto-pay is doing it is correct. The auto-pay pays off the statement balance, which is everything youve purchased UP TO THE STATEMENT DATE. You have a grace period, usually another month, to pay it. Anything additional you put on the card during the grace period doesnt have to be paid at that time, it will process on the next statement. Paying your full balance every time is not necessary. You are not charged interest on it, even if you are out of your introductory period.This is a little confusing at first - the difference between the statement balance, and the full balance. The full balance includes every thing that youve charged recently but isnt on the statement. Auto-pay is an EXCELLENT way to never worry about late payments or interest - as long as you choose the auto payment to pay the statement balance as opposed to the minimum payment! 