<prompt> Human: I recently got a Citi credit card. Its my first credit card and I am using it mainly to build credit and to prove to credit card companies that they can trust me.So I understand that if you pay off credit card bills right away, they wont charge you interest. Cool. Thats what I want to do. So with this in mind, I log into my account.So it says Payment Due July 7. Cool. That means I have to pay by July 7. I want to pay it off right now. So I click on Make A Payment and plug in the amount I want to pay, but it wont let me!What the hell? What if July 7 comes around and they charge me interest???PS: The late payment warning is just a disclaimer. I dont think it applies to me yet. All it says is If we do not receive your minimum payment by Jul. 7, 2011, you may have to pay a late fee of up to 35.00 and your APRs may be increased up to the variable Penalty APR of 29.99.This warning message is part of the CARD Act of 2009 and the revised Truth in Lending Act, intended to make customers more aware of payment due dates and the implications of paying late. This message will appear each month and will not change during the billing cycle, regardless of payments made.  <response>: you need to wait for your statement balance to show up. which will probably appear next week. 