Final answer:
If you don't use the entire amount of your Citizens Pay Line of Credit, it simply means that you have not borrowed the full credit limit available to you. Interest charges may still apply to any amount that you have borrowed.
Step-by-step explanation:
If you don't use the entire amount of your Citizens Pay Line of Credit, it simply means that you have not borrowed the full credit limit available to you. For example, if your line of credit is $5,000 and you only use $2,000, you still have $3,000 available to borrow.
The unused portion of your line of credit does not need to be repaid unless you use it. However, it's important to note that interest charges may still apply to any amount that you have borrowed. So, if you have used $2,000 of your line of credit and you haven't made any payments, you may be charged interest on that $2,000 balance.
It's always a good idea to carefully manage your credit and only borrow what you need and can afford to pay back.