This is not news but so many recent posts seem to hinge on this dubious distinction that it is high time to post a reminder that 'paying more than the minimum' does NOT necessarily protect one from much of anything, it depends on the actual numbers.

For eg., paying a minimum of 6% of outstanding balance can be a much more relevant way to gauge payment history record, as currently citibank for eg., will grade a payment of about 6% of outstanding balance as "very good" or "excellent" and grade down from there.   

In too many cases, just paying a little more than the minimum, may not be enough to get out of debt in a reasonable time frame and is not an effective way to contextualize debt/ payment...this type of thinking may in fact overexpose one to AA...better off using a yard stick the issuer may use in the current climate IMHO.