<prompt> Human: I.e. my account balance is 800 but my statement balance is 0.07, which I have to pay by 372018. So should I a pay 0.07 now and wait for the rest of the balance to be issued before paying, or b pay off the full 800 now?I realise this is a basic and probably common question but Ive seen so much contradictory advice on it and feel a bit confused.  <response>: Statement balance doesnt matter. You can pay your account balance instead. That will include all cleared payments. A statement balance is just the spending that was before the statement generation date. 