I always pay at least the minimum, of course. Usually way more than the minimum if I can afford to but these past few months after we moved and it was just me working for a couple months I could only do the absolute minimum because I had to put more towards my card that does have interest so I could make sure to pay it off.
It does affect my credit because the balance is so high that my percentage of credit used is way higher than it should be. Still have a score over 700 though and was able to get a good rate when I got my car a few months back.