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@2anewu wrote:Hello everyone, I have been reading the forums and they have helped a lot. I did have one question that I needed answered--- I got my Cap 1 card in 12/06 and after my bill the balance was PIF. So do I now pay the min and then pif the next month since I didn't pay the min on the first bill? I am wanting to know which way will help my credit the most since I am new to the forums and did not make the min on any of the bills. If someone could clear this up I would appreciate it. Thanks