<prompt> Human: This might be an obvious answer, apologies - I get paid twice a month and I like to pay my bills out of the paychecks in halves, it helps me budget better. So I am wondering if it is dumb to pay twice a month on a card? It will be over my minimum payments I am trying to pay it down but can I be sure the second payment, after the initial payment, will go directly to my balance? I have a personal loan that I would like to do this with as well, but it is through OneMain, who are truly the worst people, and I dont trust that wont screw me over somehow.I know that I could just save the money and make a large payment, but for me its easier if the money is out of my account.Thanks!  <response>: I tell people who have trouble paying off in full each month to make a payment in full each week. Keeps you from getting too far out of hand. 