<prompt> Human: Lets say I receive my bill on the 24th and it is 2500 and payment is due by the 20th of the next month, but I dont have 2500 to pay it off at the time i receive the bill, but when the end of the month comes and I receive my check I will have enough.Does it matter if I: A Wait till the end of the month and just pay it off when I have enough obviously this seems like a no brainerB Pay off like 40 of the statement when I receive the bill and pay the rest off at the end of the month when I get my checkObviously both choices will get the bill paid off, but will the second choice effect my credit score or make me gain interest?  <response>: As long as the full balance is paid off by April 20th you wont be charged interest and it wont negatively impact your credit score. Your grace period is just that: the time you have between receiving your bill and the time you have to pay that bill. It doesnt matter if you pay the bill off in March or April as long as its paid off before the deadline.However, that assumes you have not carried an unpaid balance from past months into this month. If you have, youre stuck paying interest either way, and it is currently accumulating interest. In that case paying it down sooner will result in less interest.but I dont have 2500 to pay it off at the time i receive the bill,Then youre spending money you dont have. Try to avoid doing this whenever possible. 