<prompt> Human: I am 19. I opened a UBT credit card in march with a 1,000 and have paid it in full every month since then. This month has been rough however and I am not sure I will be able to pay it in off in full by the 12th. Will this hurt my credit score?  <response>: As long as you pay at least the minimum by the statement due date youll be fine regarding your credit score. It may decline a bit due to increased utilization. Do pay as much as you can and try to get back to paying in full as soon as possible to avoid interest. When you pay the statement balance in full theres a grace period where youre not charged interest. Once you carry a balance interest accrues immediately even on new purchases. 