<prompt> Human: Would paying minimum payments on my credit card have a negative impact on my credit score as opposed to just paying the entire balance for the month? I want to make a fairly large purchase 600 on a 1000 credit line, I have the cash available and I wont have a problem making payments, I would just rather have that cash available and make smaller payments  <response>: Pay it all off. The flexibility of making minimum payments will cost you 20 interest. 