[speaker001:] Welcome to Lincoln Bank. What can we do for you?
[speaker002:] Morning. I'm a new user of your credit card and I was wondering if I'm taking full advantage of it.
[speaker001:] Well, there certainly are many benefits that go along with our credit card.
[speaker002:] Yes, of course. It's so much easier than cash, to be honest; nowadays I hardly ever use cash. I just put it on the card and pay off the balance every month.
[speaker001:] You know it is not necessary to pay the balance in full every month.
[speaker002:] Really?
[speaker001:] Yes, you will see on your monthly bill and statement the amount in full but also the minimum payment.
[speaker002:] So, if for some reason I was having a bad month and spent a little too much I could just pay the minimum?
[speaker001:] Yes. As long as you keep making regular monthly payments, paying the minimum is just fine. Of course, your credit limit will be lowered accordingly.
[speaker002:] How so?
[speaker001:] For example, if your credit limit is 5,000 RIB and you owe 1,000 RIB, your available credit will be 4,000 RIB. So, your credit limit drops.
[speaker002:] Oh, I see. Well, I don't plan on only paying the minimum, but it's good to know that I can if I had to. Thanks for that.