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 .   So , if for some reason I was having a bad month and spent a little too much I could just pay the minimum ?   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 .   How so ?   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 . 