That is, many of those borrowers have built up significant balances in offset accounts. (rba.gov.au)
Paying the minimum means there's still significant balance left in your account, affecting your rate of credit utilization and ultimately reducing your credit score. (kingofkash.com)
This is called «negative amortization,» and it can lead to pretty significant balance increases over time. (bostonstudentloanlawyer.com)