<prompt> Human: i understand that late credit card payments drop your credit score down. but i also see that theres an option to pay a minimum payment. for example, my credit card balance due is 140 but instead of paying it in full, i can pay a minimum payment of 35. what does paying the minimum payment do to my credit score if it does anything at all.Assistant: Paying the minimum payment basically means you are willing to pay interest. Paying interest builds credit by proving you can make payments on time. If you pay in full, creditors wont be able to determine if you can make monthly payments on time, so it doesnt build credit but you avoid interest.Human: so its beneficial to pay the minimum payment and then pay the rest couple days down the road?  <response>: No, dont listen to him. You should aim to pay off your balance in full every month ontime. That will build credit just the same, and avoid interest. 