Question

should i pay my whole bill every month?
you can pay your whole bill every month. that means you probably will not pay interest. that makes credit less expensive for you.
you might not pay your whole bill every month. you might pay only the minimum payment. that means you will pay interest on the amount you did not pay back. that amount is called the balance. credit is more expensive if you pay the minimum amount due.
if you do not pay the minimum amount due, also called the minimum payment:

• your interest rate might go up
• you might have to pay fees
• your credit will cost you a lot of money

\using credit,\ federal trade commission

how will paying less than the minimum payment on a credit card each month affect ones creditworthiness? mcm.3.2
it will help to establish a credit history, making it easier to obtain a loan
it will make it harder to obtain credit with low interest rates..
it will make it easier to apply for other kinds of credit.
it will lower ones interest rates for future credit.

Explanation:

Paying less than the minimum credit card payment leads to negative consequences like higher interest rates and fees, which harm creditworthiness. Poor creditworthiness makes lenders view the individual as risky, so obtaining credit with low interest rates becomes harder.

Answer:

It will make it harder to obtain credit with low interest rates.