<prompt> Human: If I cant pay off my full statement balance on a credit card for one month, but I meet the minimum payment do I just need to worry about interest or will it have a impact on my credit score?  <response>: I find it interesting that you dont care about the interest, but youre worried about the credit score. Your score wont be affected, and even if it does then it doesnt matter because utilization has no history, so when you pay it off completely by next month your score will rebound to normal. It only takes current month into account for your score.However, paying interest on the card is a VERY dangerous game. Read through this subreddit to see how big of a spiral it can quickly become. 