<prompt> Human: When I graduated I got a 0 interest CC for 18 months and another one after that so Ive never had to worry about carrying a balance from month to month if something happened.nbsp;Now that those promotional periods are over I find it difficult to have a 0 balance at the end of the month since I continuously use the card and purchases are clearing the day before and the day of my statement due date. What ends up happening is that I make a large payment a few days before the due date then a whole bunch of smaller ones whenever a purchase goes through. I feel like this isnt the best way to do it so can someone fill me in on what Im missing?  <response>: Charges that are pending when your statement is issued are not counted for that billing cycle - those charges are rolled into the next billing cycle. You only have to pay the statement balance before the statement due date to avoid interest being assessed on the balance. 