I have a tip for you. Never make apart payment more than minimum. If you are unable to make apayment and wish to pay total in next monthwith lare amont, pay entire amount by cheque and make cheque bounce by making a defective,advising the bank or keeping lower amount in account. Te amount will be credited to your account and therafter will be debited on bounce .You will have to pay the penalty of bounce cheque only whch is nominal.Make full payment next month. I developed this trick accidently. Try when you want to pay n next month
