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Do not EVER, EVER, EVER pay the minimum on any card. I have several cards where I have used 0% or 1.99% Balance Transfer or Checks. I always pay significantly more than the minimum. You just have to believe that someone is going to look at your history at some point and the person that pays the minimum is going to look worse than the person that pays more. Let's say the minimum was $40 and they raised it to $42. If you had been sending them $75 or even $50, it wouldn't have mattered.
I think it is just too easy for a company to track this stuff with the computer systems in use. Someone is likely to research the people that paid just the minimums 2 years before and target them for CLDs or closing their account. Is it really worth saving the interest on a couple hundered dollars over that year promotion to find out later that it was a bad idea?
Am I overanalyzing this?
Yeah paying just the minimum is never a good idea, unless that is absolutely no way you can pay more.. and I mean absolutely like you have already cut cable, fast food, and other splurges out of your budget.