<prompt> Human: So the balance on my 3,000 credit-line card is 180 however my last statements balance is 160 and the minimum amount to pay is 20.Obviously I want to pay off the card every month but do I pay the 180 or the amount that was on my statement in order to pay it off?  <response>: Statement Balance is all you owe to avoid interest. Your balance is your previous statement plus any new charges. 