I do not make minimum payments only and try to repay the loan on time. Regarding my credit card debt, is it a wise move to make part payments every month that paying off the amount in full. Actually, I have made a big purchase. Since the economic situatio is unstable, will it be wise to make the paymnt altogether or keep a room in my budget and make the payments every month. Is there any way to negotiate with cc company to make the payments in 6 months without paying any or very nominal interest? "