I believe they are suggesting staying with the minimum so that you have the option to pay it off faster when you can. Which, yes, you should. But otherwise, if

I believe they are suggesting staying with the minimum so that you have the option to pay it off faster when you can. Which, yes, you should. But otherwise, if you're ever in a bind and you let them pick a higher minimum, you may resort to, say, higher credit card payments to make up the difference. It's just slightly riskier to have a higher minimum rate, especially when you could easily prevent it.