<prompt> Human: Ill try to make it as short as possible. One of my credit cards, has about 650 left to pay off on it. The minimal payment on it is currently 25 which isnt bad. At this time, Im only able to make my minimum payment across 4 credit cards, including this one. Those minimal payments are equal to the 650 left on the one car. These cards have a LOT of credit card debt racked up on it. Since I want to start with the lowest debt, Im thinking about missing the minimal payments for the month all due between the 15th-28th and using that money to pay off the one card on the 15th and cutting it up so I never use it again. I then can make the minimal payments the following month after the 1st of December for the other cards.What kind of repercussions am I facing if I do this? I understand that Ill probably be harassed by the credit card company daily with calls, take a hit on my credit I dont care about a number tbh.. but what else? Is it OK to do this?Assistant: Thats a terrible idea. Youll be charged with late payment fee, and your latemissed payments will be reported to bureaus, wrecking your credit in the process. Always pay at least the minimum payment. Human: Understood about the late payment... however, wouldnt continuing to pay off the minimal payments the next 5 years for the smaller card and 15 for the bigger card, be more costly with the finance charges anyway? I dont understand why I wouldnt WANT to pay off ONE card as soon as I could?  <response>: Because you CANT. If you dont have the money to pay the minimums on all the cards and also pay off the 650 then you CANNOT afford to pay off the card. Wait until you can actually afford to pay it off and then do it. Edit: To clarify no one said pay the minimums for the next 5 years. They said you should always pay AT LEAST the minimums to avoid late fees, default interest rates, and ruining your credit score. Obviously pay off your cards as soon as you are able to. Right now youre not able to. 