<prompt> Human: New credit card user here. I will be starting a job in another state in late July, and presumably receive my paycheck sometime in August. Ive also got approved for a credit card that I will receive soon. The thing is, Ill be short on cash with all the moving and relocation expenses. I know that I should pay off all my balance every month, but I was wondering if it would be terrible if I kept some balance in July, and pay it all off in August, when I get my first paycheck. The amount wont be more than 400.  <response>: The only reason people tell you to pay off your balance in full, is so youre not paying interest on the remaining balance. No its not the end of the world to keep some balance on there, just keep in mind youre likely paying interest on that 400. 