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If possible always pay the balance in full every month or pay more than the minimum amount.

What part of speech is ‘more’and which word it is modifying?

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    Were there any commas in the original quotation? – Jasper Nov 23 '18 at 20:11
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The traditional label is substantive adjective. One way to analyze the sentence is to assume that its modificand has been elided:

If possible, always pay the balance in full every month or pay more [money] than the minimum amount.

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If possible always pay the balance in full every month or pay more than the minimum amount.

"More" belongs to the category (part of speech) 'determinative': it's the comparative counterpart of the plain "much".

Its function in the clause is that of 'fused determiner-head', where we understand it to mean "more money".

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The simple meaning of the sentence translates to:

Always try to pay the balance with the correct amount, or an amount higher than the minimal amount, as specified by the speaker (not mentioned here).

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