<prompt> Human: So, Ive got 3 different credit card accounts. What really annoys me about them is that if I have a balance on any of them one and I want to avoid paying interest during a billing cycle its not easy; none of the credit card apps I use tell me exactly how much I need to pay on the card to avoid paying interest each cycle. They will of course list minimum payment due, balance, and available credit. I could always look through each cards statement and figure out the which charges correspond to the billing cycle and add them up myself, but thats really annoying when Im expensing lots of things on all three cards and all three cards have different billing cycles. Furthermore, if you can only make smaller payments at different times during the cycle theres nothing that keeps track of that. Why not just pay the whole balance of each off in a timely manner? I would, but its also annoying and financially difficult to shell out 5000 of my own money to three separate accts each month and keep track of what I should be paying myself back when Im on a continuous work-travel schedule where expense reports are processed in inconsistent time frames. Long story short, the damn apps should just say: heres the payment you need to make to avoid interest: xxx.xx. Rant over. Any suggestions on how to track this stuff easier? My feeling is that these companies dont explicitly list that amount because it makes the customer more likely to make a payment mistake, resulting in interest accrual, etc. I know some out there thing BOA is too ethical to do something like that intentionally s. Also, it would be really easy to build this functionality into whatever back app.Assistant: They always list the statement balance. You can have your accounts set to auto-pay the statement balance on the due date.Human: I know they always list the statement balance. I cannot have my accounts set to autopay the full balance because in the event that I have 15k coming out in the same week with no work expense repayment I cant afford that. I can however, since my expenses are reimbursed in about 7 business days, make all payments required within the billing cycle in which they were incurred. But that timeframe doesnt necessarily align with statement balance. Did you read my post?Assistant: This doesnt make sense to me. The statement balance is the payment you need to make to avoid interest. Im not sure what else you are looking for?The full balance and statement balance are not the same thing.Human: What keeps track of how much you pay toward the statement balance if you dont pay it in full at the time its due? If I pay 500 now, 600 a week later, etc. How will I know how much to pay before The noninterest period is over?  <response>: Instead of paying 500 now and 600 a week later, pay 1100 all at once. Before the due date. Why make things more complicated? 