A grace period does not apply if there is an outstanding debt. Grace periods never apply to cash advances. Interest on cash advance starts to accrue from the very first day. This is in addition to the regular interest rate. Pay as much as you can.
Lenders always ask for the lowest possible payment.
By paying just the minimum payment due each month, you will run up your interest charges and remain in debt. If you have too many credit cards, it can prevent you from getting other loans. Even with all your accounts up to date and or at a zero balance, some creditors may deny you from receiving new credit. Potential lenders will look at your credit report. When they see how much potential credit you have, creditors may assume you would be unable to pay back your debt if you used your credit cards.