<prompt> Human: I have a few questions when it comes to my card. forgive me if this is basic info, this is my first card. My closing date is tomorrow. I have no due date. Also my balance is much less than how much Ive actually spent. This is a Bank of America card. I make about 40k a year and I didnt have to put anything down. I have little to no credit history and this is my first month with my card. Ive spent around 150 on it but my balance as of right now is only 50. Is this normal? How much should I pay? Should I pay it all? What is a closing date? Why isnt my due date displayed and why is my statement unavailable?Im so lost. If anyone could do a run down on this whole thing before I accidentally run my credit into the ground, Id really appreciate it.EDIT: Should also add when I got my job they didnt know if I was a real person because nothing came up under the credit search, and myfico returned me my money when I signed up because I have zero credit history.  <response>: Credit card billing is broken down into cycles same concept as cell phone and utility bills. Each cycle closes on the closing date and the next cycle opens the day after. When a cycle closes, a statement is generated, containing all of your posted purchases. The sum total is your statement balance. The statement will also give you a due date, approximately 3 weeks from when the statement is generated. Always pay the statement balance by the due date.Any purchases made after the closing date appears on the next statement. Why isnt my due date displayed and why is my statement unavailable?Because you havent had a statement yet. It will generate on the closing date or soon after. 