You know it is not necessary to pay the balance in full every month.

您知道，您不需要每个月都全额支付收支差额吧。

Since then, he had lost money in speculations and could not afford to pay the balance due on the ship.

自此，为了达到这些标准他花费无数，现在他已经付不起余下的船款了。

And even using a credit card as long as you pay the balance in full every month can help improve your credit score by showing lenders you can responsibly manage debt.

即使使用信用卡，只要每月全额还款，就可以向贷方展示你是可靠的债务人，并有助于提高信用评分。