Interest free credit card - If I do not meet pay off entire sum does it affect my

J

JayD

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credit rating? UK question? I am in the UK and have a credit card which is 0% for 12 months. I have been using it for sometime and make the full balance payment each month. I would like to only make minimum payment (or just above) each month to use real cash elsewhere.

Will this affect my credit rating as i'm not paying off in full?

Am I better making more than the minimum payment?

Thanks
 
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