answer: #Person2# comes to Lincoln Bank and wants to know the full advantage of the credit card. #Person1# tells #Person2# that #Person2# can pay the minimum, but its credit limit will be lowered accordingly.
documents: #Person1#: Welcome to Lincoln Bank. What can we do for you?
  #Person2#: Morning. I'm a new user of your credit card and I was wondering if I'm taking full advantage of it.
  #Person1#: Well, there certainly are many benefits that go along with our credit card.
  #Person2#: Yes, of course. It's so much easier than cash, to be honest ; nowadays I hardly ever use cash. I just put it on the card and pay off the balance every month.
  #Person1#: You know it is not necessary to pay the balance in full every month.
  #Person2#: Really?
  #Person1#: Yes, you will see on your monthly bill and statement the amount in full but also the minimum payment.
  #Person2#: So, if for some reason I was having a bad month and spent a little too much I could just pay the minimum?
  #Person1#: Yes. As long as you keep making regular monthly payments, paying the minimum is just fine. Of course, your credit limit will be lowered accordingly.
  #Person2#: How so?
  #Person1#: For example, if your credit limit is 5, 000 RMB and you owe 1, 000 RIB, your available credit will be 4, 000 RIB. So, your credit limit drops.
  #Person2#: Oh, I see. Well, I don't plan on only paying the minimum, but it's good to know that I can if I had to. Thanks for that.