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Paying off your balance as much as possible is kind a like refinancing your higher interest rate credit card with the value of your bitcoin collateral. As the price of bitcoin goes up it pays the interest itself and freeing you from the burden of that interest. Since your the bank you decide when you want to pay off the crypto loan or just have defi saver pay it for you by selling bitcoin near the top. Here's a video on how I borrow from my crypto asset while keeping my bitcoin value and using it to pay down my credit card. I try to pay off the statement balance as much as possible so you get another 30-60 days free loan with no interest from the credit card company. There's a trick you could use is by using the credit card for all your purchases and all your income goes to buying crypto. That way you can borrow what you need to pay the entire credit card statement off each month. If you use your borrowed crypto directly you have less towards paying off that statement balance. When you don't pay off your statement balance everything you buy on that credit card rolls over and gets charged as daily interest. That's the trap the credit card companies play and we need to play around that trap to get interest free loans for 30 to 60 days as long as we pay off the statement balance.