Welcome to Lincoln Bank . What can we do for you ?
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user
Morning . I'm a new user of your credit card and I was wondering if I'm taking full advantage of it .
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assistant
Well , there certainly are many benefits that go along with our credit card .
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user
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 .
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assistant
You know it is not necessary to pay the balance in full every month .
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user
Really ?
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assistant
Yes , you will see on your monthly bill and statement the amount in full but also the minimum payment .
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user
So , if for some reason I was having a bad month and spent a little too much I could just pay the minimum ?
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assistant
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 .
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user
How so ?
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assistant
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 .
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user
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 .
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assistant