<prompt> Human: I finished paying off my student loans a month ago and I have no other debt. Discover is my only credit card and for the past 2.5-3 years Ive had it, Ive always paid my monthly bill in full.According to their FICO score Ive been in the 760-790 for the past year. If I start to only pay the minimum 35 a month, how big of a dip will my credit score after a year of doing this?edit: its just for curiosity. Im just wondering how much credit really dips when you dont pay your monthly bill in full. sometimes i might want to save up for something  <response>: If you are building a balance on your card you arent saving for anything. Yes you will have more cash, but you dont really have more money. I would advise not doing that. 