<prompt> Human: I put 2,000 dollars on this card called Care Credit for invisalign retainers. There is no APR for the next two years, and the secretary who suggested I do this said I could do minimum monthly payments for the next two years. The thing is that Ive always heard that its best to pay credit cards right away. Did I just make a terrible financial decision? Will this damage my credit score if I pay it off slowly?  <response>: The reason you pay off the credit card right away is to avoid interest payments. You have zero APR for the next two years, therefore you are not paying interest and that advice does not apply to your situation. You need to pay 200024 months 83.33 a month. 