Which is true about credit card repayment?

- You must pay the balance in full each month or the bank will take the card away.
- You must pay the balance in full before the grace period ends if you want to avoid paying interest
- You must pay the balance in full each month or the APR will go up.
- You must pay the balance in full each month or your account will go to collections.

- You must pay the balance in full before the grace period ends if you want to avoid paying interest