It’s a trap!
If you ever have a credit card balance and are in the process of paying it off, never pay just the minimum balance. Keep in mind that with credit cards comes interest on the balance that you keep. Paying the minimum balance ensures that you pay the most interest on your balance and is exactly what the credit card companies want. Another thing that is considered is when looking at credit, if you consistently report that you paid above your minimum balance, you look like a more responsible person and might even get a bit of a bump on your credit score.
If you pay even $10-$20 more than your minimum balance, it’s very likely you can shave months to a year off of interest you would’ve had to pay for. You can afford to pay $10-$20 extra, bring a lunch to work or cook when you get home to save that money. Your pocketbook will thank you.