New Delhi, Feb. 24 -- Credit card users are usually not recommended to keep theircard bills outstanding. And when they have a pending bill, they have two options: to pay in full or to only pay the minimum outstanding.

When you pay the minimum due, you are meant to pay only 5 percent of the total bill while the remaining can be paid later. The flip side: your interest keeps accumulating. Additionally, the interest that you need to pay accumulates from the date of transaction and not from the last date of bill.

Although it is not a recommended plan of action, sometimes credit card users have little or no choice but to opt for the minimum due.

These are some of the scenarios wherein it is feasible to pay the minimum due instead of the ful...