It sounds obvious, but the more you pay the faster your debt will disappear, so always aim to pay more than the minimum payment due. The minimum payment is the lowest amount you need to pay to avoid potential penalties. The minimum fee is usually calculated as a percentage of your balance.
Don’t think of it as a fixed amount as it’s not. The amount you need to repay each month as a minimum will fall as your balance reduces. See how this works in the table, and how paying more than just the minimum can reduce the time to clear the debt and the overall interest you need to pay. This table assumes spending no more money on the card and the interest staying the same for the whole period.
£1,000 balance on card – 20% APR Interest paid Total paidTime to clear debt  Minimum repayment only (starting at £25 and decreasing as the debt goes down)£1,336£2,33618 years and 7 months £25 every month until debt cleared£559£1,5595 years and 3 months £40 a month£270£1,2702 years and 8 months £100 a month£94£1,09411 months