please for god sakes if you can only afford to make minimum payments on your 6k credit balance...don't try to put that plasma tv on installment. or go for that holiday. or do one of the many things that can potentially screw you up.

if i had any semblance of moral authority i would refuse half of the transactions i just approved today because i fore see that a few years down the road...this guy that has been making miniumum payments..is gonna find himself so broke he won't be able to eat and then your gonna have to sue his pants off to recover the debt. but nooo the bank wants to earn money ...so yes sir we will improve you temporary increase in credit limit just make sure to keep sending money to us mmkay??

used right a credit card is a very powerful tool..just ask any one of the bank staff who use their cards with due diligence. they know where the bank makes money from and they won't let it earn it.

so boys and girls leasson learned always pay off your current balance, don't revolve debt and make payment by the due date to avoid late charges. or else your gonna make Mr Wee a very happy (and rich) man.