Why do credit cards not want you to pay your balance in full? explain the costs associated with a credit card.

Think of it this way ...

If you pay a credit card balance in full, then you stop accumulating interest. The credit card company wants you to keep paying them, so they tell you how much you can pay. The thing is, you can't disable a credit card until it is paid off. As long as it isn't paid off, it is enabled and credit companies keep collecting your money. As they say, money makes the world go round.