<prompt> Human: I have zero knowledge when it comes to how credit cards work. I do not even know the difference between statement and current balance. I pay the minimum payment every month because someone told me to not pay in full after every transaction because this has something to do with not building credit. Question: if one pays the minimum due monthly, why is there an interest charge?2: what can I do to avoid future interest charges?  <response>: I have zero knowledge when it comes to how credit cards work.so why did you get a credit card? minimum does not mean you paid off everything you put on the card. You still carried a balance from one month to the next, and you owe interest because of what you carried over. Paying only the minimum is a great way to make almost zero progress on what you may owe. 