<prompt> Human: I went a little harder on my Credit Card during Christmas than I do most months, and then paid several bills gym membership and cellphone ahead for the full year of 2016 to get better monthly deals.The result has me in a spot where while I could pay the full balance, it would leave me with less of a buffer in my checking account than I like to carry. To avoid getting an interest charge do I need to pay all the way down to 0 on this months due date? Or can I get away just paying the something over the statement balance for the month?  <response>: To avoid interest you have to pay the total amount due statement balance shown on your statement, before the due date. Purchases you made this month that occurred after this past billing period closed, will not accrue interest until after he next statement and bill is due. 