Read about bad credit credit cards
That would incur no interest payments. Paying only the minimum payment each month means that most of that payment is interest to the bank, and does not pay down your balance. When consumers do not pay the balances on their credit cards in full, therefore, it is not difficult to increase debt. Credit cards are a very practical and convenient resource, but should not be used to pay for unnecessary things that push consumers beyond their means. Balances should be paid in a timely manner.