Credit card interest rates (25-30% APR typical UK) make rolling balances one of the most expensive debt situations possible. Always pay statement balance in full. The 'minimum payment' option is the trap.
What rolling balance costs
£3,000 balance at 27% APR with minimum payments takes 25+ years to clear and costs £6,000+ in interest. Same balance paid in full each month costs zero.
How to make in-full payment automatic
Set direct debit for full statement balance. Most UK banks support this. Never miss payment due date. Treat credit cards as deferred debit cards, not as credit instruments.