<prompt> Human: Ive got a credit card that Ive been paying the minimum balance on for the last 2 years. The total owed is not going down as Im basically just paying the interest. I dont even use the credit card anymore and its even expired. Anyway to stop the interest? Any help much appreciated!  <response>: You stop the interest by paying the principal. Paying the minimum balance doesnt get you out of debt it just makes them more money. Make larger payments! 