<prompt> Human: Hey I am a college student and opened my first credit card in late july.1. When can I open a second card?2. If I make a payment on a card but dont pay the full amount from my understanding I pay interest but does not paying the full amount hurt my credit?  <response>: 1. Why do you want a second? You should probably wait at least a year.2. Dont ask that question. Pay your statement balance in full by the due date every month 