<prompt> Human: I have a 100 On Time Payments. Im looking to get a computer that I will put on my credit card and pay it off overtime. Will that 100 decrease if I dont pay it in full, or it will keep being that 100 if I pay the minimum balance or more?  <response>: Paying the minimum balance by the due date is on time. You are not late; but if the interest rate is more than your savings account, you are paying interest unnecessarily.Paying the statement balance by the due date is still on time and you dont pay interest. 