<prompt> Human: So I just got my first credit card. I charged a few tanks of gas onto it which I am planning to pay in full. For my first months payment it is saying I owe 0.00 due to I think when it was opened vs when I made my first few charges to raise my utilization to 20.My question is this, do I actually need to do anything? Like send a check for 0 dollars or anything else stupid, or do I just wait until next month when it says I owe X amount and then pay it in full?  <response>: To make sure, check your statement, not just the balancepayment info displayed on the website. There should probably be a link somewhere to view your statements and you can pop it up as a PDF. If it says theres a 0 balance then theres nothing to pay. No need to mail a check for 0 or anything silly like that. You always want to make sure youre paying the full amount of the statement balance, not whatever theyre saying your payment should be. 