<prompt> Human: Hello, Im graduating soon and I have a job lined up. I have a credit card Im paying off with a total of 800. I payed more than the minimum for a few months but now I dont have enough for the minimum. Should it be okay to continue to not pay until februrary, or should I try to find a way to pay the minimum, like borrowing money, for december and january? I have already missed november and got charged for it. Thanks.Edit: So I decided on figuring out a way to pay the minimums until im receiving full income I start in January so Ill be able to pay form Februrary forward and turns out I have a shit load of reward points on my other credit card; enough to pay Decembers minimum plus the fee from missing November, and Januarys minimum. So Im going to do that. Thanks for the advice!Also, how will missing November affect my credit score? It has always been above 720, fell once to 680 something, and is now back over 720. Also, does the fact that I have 12 months to pay off the card without interest change anything?Lesson learned: Always keep enough money for minimum payments.  <response>: You are going to trash your credit for years if you do this. Call friends and family and get some help to make those minimum payments. Once you start working, buy nothing and eat ramen and refried beans until you pay them back. 