<prompt> Human: I went a little crazy this month on my credit card and have around 1,300 on my card. I have the ability to pay it off but would it be a better idea to make payments over time? Its around 18-20 interest. I know its small but it really crept up on me this month  <response>: pay it all off. simple as that.EDIT: reason being you should never pay interest if you dont have to. its like throwing money away. 