<prompt> Human: I have a Discover Student card. My minimum payment is 35 due on December 20th and my current balance is at 474 with a credit line of 1,000. Do I need to pay off my balance fully by the due date or just the minimum? Will it do any harm on my credit? Ive paid 100 7.77 of cashback to my credit just right now.  <response>: Pay the minimum to avoid any late fees and dings to your credit score. Pay the statement balance to avoid any interest. 