<prompt> Human: I understand that minimum payments is a bad idea I am just curious. I found a thread similar to mine but no one really answered the question.Im just worried Im misunderstanding this. So I have the statement balance which is the total due and then there is typically a minimum amount due that is calculated somehow. Mine is at 0.So, am I required to pay in full because there is no minimum payment or nothing for this cycle? It just stuck out as weird to me when I saw it.  <response>: You wont be late for not paying but youll be charged interest if you dont pay in full. 