It&#x27;s not true. Lenders review the credit report (the &quot;credit score&quot; is a simplification), which includes data on whether you made the full payment or only the minimum. Making only the minimum payment is often correlated with an inability to repay the full amount.<p>Per Experian (2014): People who paid in full were 63% less likely than average to default six months later, while people making a little bit more than the minimum payment were 86% more likely than average to default within six months.<p>Cubano&#x27;s suggestion is a particularly risky thing to do if you have a history of paying in full. Switching from full payments to the minimum can be read as a leading indicator of delinquency.