If you pay off the balance in full before the due date, you won't have to pay any interest. The grace period is 25 days (from when your cycle closes to the due date), so you have plenty of time to clean out the balance after the bill is assessed. If you don't pay the full balance, then you will have to pay interest. At the start, the most important thing to do is to just keep making payments, on time, and more than just the minimum amount. After a year or two of paying on time, your score will be soaring!
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