<prompt> Human: For example, say I only have one card. Last months balance at statement close was 1000 and it is due tomorrow. However, in the time since the balance closed, I spent another 1000. My total balance is 2000, but my balance due is 1000. Paying 1000 will avoid interest, but paying 2000 will result in a total balance of 0. Is that what people mean when they say they paid of their credit card debt?Follow up question: Is there a real benefit in paying every single dollar off at the time of payment last month PLUS this months balance or is it better to put that towards emergency fundstudent loans?  <response>: People usually only call it cc debt once you get to the point where youre paying interest. Otherwise its just a balance youre paying off every month. I also think and I could be wrong that once you are paying interest, the new charges dont have a grace period any longer so you need to get to 0 to stop paying interest. 