How Minimum Payments could often work against you
If you have balances at different rates on the same card, the Minimum Payment pays only the lowest rate balance.
Understanding Average Daily Balances to save interest
Paying at the earliest after you get the statement will save you money every month.
Effectively using Balance Transfers to save money
Balance Transfers can save money. But they can rapidly cost you a lot if you aren't on top of the game.