<prompt> Human: I am short on this months CC bill. I am a med student and underestimated how much boards prep materials and books would cost at the beginning of this year, plus I had a few hundred bucks in car repairs pop up, plus im switching cell carriers soon and cant take my phone over, so I need a new one i wont be getting the top-of-the-line models, but need a practical one, itll run between 1 to 100.The bill this month is 1300. I have 1700 in the bank. So, while I can pay the bill, I cant live on 400 for the next month and a half my next disbursement is November 28th.Would it be ok to pay a chunk of this 1300, get a little more in loan money next quarter just enough to cover what CC debt is left over, and finish it off after I get that next disbursement? Will this hurt my credit historyscore?Thank you, financial gurus of redditExtra info:minimum on the 1300 is 26.00its a Chase Freedom cardAPR is 13.24 on purchases, 24.24 on cash I never get cash with my CC, I use my debitAssistant: So you dont pay the entire balance. Dont obsess over your credit score. Carrying a balance on a credit card once in a while is not the end of the world.Human: whew, really? I was taught to always pay it off that month or... i dunno, the boogeyman will get me or something.Assistant: There is what you should do under a 100 perfect financial plan and then there is real life happens. Sometimes real life happens. Your credit is not going to be damaged because you carry a balance. Some people never pay off their credit cards and still have great credit. The goal is to live within your means, make good choices, and prepare for the future, not get all worried when you have to carry a balance one month due to an unexpected expense.Human: Thank you for saying this. I was getting really worked up for a while.  <response>: Well, you are going to pay interest. Two months of interest on a say 1k balance will cost you roughly 20. Oh, and probably you will immediately start accruing interest on whatever else youll charge on your card. 