$50 a month is nothing.. but everytime you make a payment, and you have outstanding credit balances, your payment gets reported.. (yes, the system is retarded that way.. if you pay off everything in full.. that payment never gets reported, and to top that off, after that point, you have a period of being debt-free, which is good, but bad for your credit, because it creates a blank, a period of no credit history, no proof that you're making payments on time).. In my opinion, I don't see any rational behind the system other than creative motives and incentives for people to be in some form of debt to try and build up their credit..