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Originally Posted by PrincessPerky
OK so tecnically since the extra goes to the CC it ain't black, but don't go raining on my parade here! It has been consistantly a decent amount extra so it is good enough for me to celebrate  (which beats the depression creeping in over how long it will take to get rid of the CC completly) |
No, the extra is still in the black. It's above and beyond the minimum. You
CHOOSE to put the money to the cc. You could just spend it.
Sometimes it makes sense to pay the minimum and sometimes not. But if you're making the minimum and have money left over, you're in the black, you just have to make sure you're not spending more (ie continue to charge and only pay the minimum.)