Making the minimum payment on time actually prevents your card from being suspended. Issuers typically only suspend credit cards due to missed payments, accounts in default, or over-limit activity. As long as you pay at least the minimum amount due by the due date, your account remains active and in good standing. However, relying solely on minimum payments can still be problematic. It may lead to high-interest charges and long-term debt, especially if you carry a large balance. While your card won’t be frozen for making minimum payments, your financial flexibility can be restricted as interest eats into your available credit. Additionally, it might limit future credit limit increases or approvals for new credit cards. The best practice is to always pay more than the minimum, ideally the full balance, to reduce interest, maintain a strong payment history, and keep your credit utilization low.