<prompt> Human: Hello EveryoneIm a college student who just recently got his first credit card through Discover. Having the discover it card is great and has greatly improved my credit score in the last month. Recently, I was able to pay off my monthly balance in full. However, I have started using my credit card strictly for the purpose of paying my insurance bill along with other small things I know I get cash back for during that quarter. My question is, if the statement due is say 700, minimum payment is 35. If I pay off only around 400, will this affect my credit score? I know, and have always been told its better to pay in full, but with my friends wedding coming up and the need to spend money on a rental suit along with gift and a few other items, I doubt I will be able to pay the balance in full. What are the negatives of not paying the bill in full, mind you Im still in the first 3 months of having the card? I will also be able to pay the remainder of the statement on the first of October, roughly 3 weeks before the next statement is issued. Any helpadvice on how to manage this and ways to minimize any risk involved would be great! As a side not my credit limit is 1000, but I dont see myself reaching this limit anytime soon.Like I said, any other tips on good management practice, advice or tips you have from your experiences would be great!Thanks!Edit: A quick side note, I can definitely pay the balance off in full this month, however, it would just require me to put more on the card later to compensate for the payment, and to me, this seems like a dangerous situation. Im currently going through the helpful links below.Edit 2: Guys, I know I didnt mention this but I am technically employed year round and have a salary at the beginning of each month. Im not on the relying on parents , but I do have a source of steady income.Assistant: I doubt I will be able to pay the balance in full. You do not have enough money. Stop spending money you dont have, especially on stuff you dont need to survive. Credit card is a crappy way to borrow, since the interest rate is so high or will become so high after the promotion period.Human: I need to build credit. And I have edited the original. I can pay it off in full but it will require me to put more items on the card later, which I would like to avoid.Edit: no need to downvote, Im 24, bought my first car in cash because I didnt have a line of credit and will likely be looking at a house in the next 2-3 years. I graduate in the spring and have already had multiple job offers  <response>: You can build credit later on when you can use a credit card responsibly. If you cant afford your credit card bills, youre probably not in a position where your credit score is that important e.g. getting a car or a house. 