<prompt> Human: I dont think I understand credit cards correctly.Before anyone says anything, Ive had my CC for a little under 6 months now, and every time I use it, I pay it off the next day.What I dont understand is how do you pay off large amounts of CC debt without hurting your credit score? My card has a 300 limit Im 20 yo and Ive really just been using it for gas and food, so its always easy to pay off. Im starting a project building a desk and dont want to take all the money out of my checking account, so I was going to buy the paint and last bit of wood and put it on my card, however I dont know what to do if I cant pay the full amount by my due date. Any help?  <response>: Dont use them unless youre planning to pay them off in full every month... dont get caught in a downward spiral of credit card debt. 