<prompt> Human: I recently just got my first credit card. I has a 0 apr until April. I just got it to build my credit since I dont have any. How should I go about using the card and making payments. I read since it has a o apr, I read that I should just pay the minimum until that trial is over.  <response>: No, you should always pay the full amount every month after the statement is generated. Paying only minimums is how people fall into the hole of debt. Dont do it 