It’s hard trying to manage my credit card payments at times, especially when I’ve a high credit card balance that month. However, I’ve always made it my policy to pay off my credit cards fully every time they fall due. I’m paranoid about having bad credit to my name. A friend of mine used to have the bad habit of paying only the minimum amount on her credit cards every month. What she didn’t realize was how fast the interest grew until she got into serious debt. It was so bad that she had to opt for bad credit debt consolidation methods to improve her bad credit standing before any bank would approve her housing loan. Where debt’s concerned, less is definitely best.