<prompt> Human: Fairly simple, at least I hope.I have a credit card, had it since I was a junior in college. I am a year into my career after graduating. At one point when I was in college, I racked up a lot of balance on it but paid it off thanks to my internship. To attach numbers, I put about 1500 balance on a 4000 credit limit, but again I paid that offWhen I graduated and got my own place and car and stuff, life happened. I now have a 7000 credit limit but a little over 4000 balance...I consistently make the minimum payment of around 130 each month. This has been consistent since I even got the card, except for one time I used a different card to pay the balance and it didnt update and it was weird but I managed to pay it nonetheless, barring a late fee.Question is: are there any consequences that this provider will be coming to me about that I should know of, for maintaining this balance for about a year, or do I just keep making the monthly payment and more in order to eliminate the debt? Consequences including legal action, demanding debt payoff, anything like that. I am expecting and hoping the first comment is a simple No.tl;dr - have a credit card with 7000 limit, 4000 balance, wondering if there will be any incoming legal recourse or if I just need to keep eliminating the balance.edit: just thought of credit score implications and I already have a good credit score but I expect it may drop over time. If thats it, no big deal, just need to rebuild credit.  <response>: If you keep making only the minimum payment on a card with typical 20 APR interest, your credit card company will add you to their Christmas Card list.You are making them huge profits at your own expense. Everything you buy is costing you almost 3X what you think you paid by the time you eventually pay of the balance.Paying the minimums hurts you, helps them. Pay as much as you can, as quickly as you can, to help yourself. Please. 