<prompt> Human: As the title says, I have a credit card with an outstanding balance. The said credit card has a 0 APR offer for the next 8 months. Im making minimum payments every month, but i will pay the balance in full at the end of 8 months. Will this adversely affect my credit score. My current balance across all credit cards is 24 of my available credit across all credit cards  <response>: What affects your score is the utilization percentage. Paying the minimum doesnt lower the percentage much, like paying more would. That being said, the score difference from min payments and non is likely going to be minimal. 