The answer is (A) It lowers your credit score.
Paying only your minimum credit card balance each month will result in your credit score taking a hit. When your credit utilization ratio climbs, your credit card balances will climb as well. And because your credit utilization is of importance to your credit score, then balances that are high can damage your credit. OPTION B can also be an answer, but, you will end up racking up bigger interest charges.
