Beware if you only pay the minimum amount required. I have had a Barclay card for many years and I will admit I have been paying the minimum amount for several months (except last September I paid £1,800 off). I received a letter telling me my credit limit is now reduced by £3,500 because I only pay the minimum amount. I believe this will affect my credit score as it will now appear that I have maxed out my card.
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