A while ago, while looking for a 0% balance transfer, I came across a website that shows you exactly how to manage credit cards and what you are letting yourself in for if you only pay the minimum payment each month. The site, cardcosts.org.uk showed me that had I paid even £20 more than minimum each month I wouldn’t be in the dire mess I am in now. I find it shocking how much interest I pay each month and I really didn’t realise. I will pay twice what I owe in interest on 2 of my cards and the same on the third.
My advice. If you can pay a little bit more each month. In the long run it will make a big difference.