It comes every month without fail - that lovely statement showing just how much you've spent on your credit card. Depending on how big-ticket that spending is, or your financial situation in general, you may only be able to swing that minimum payment. Paying the bare minimum every once in a while isn't all that awful, but if it becomes your regular payment routine, there's a problem according to the Credit Counselling Society. "The trap is you can make the minimum payment for a while, but then balances go up and then all you can make is the minimum and you're stuck for a long period of time," Credit Counselling Society of B.C. president Scott Hannah said. Lauren Pullen reports.