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