The organisation recognised that, for those who “know what they are doing”, only having to pay a small amount of the outstanding debt can be beneficial.
But it added that in general the trend of minimum repayments falling from five per cent to two per cent over the last few years was a cause for concern.
Mike Naylor, principal researcher at Which?, commented: “I think it is a way for banks to make more money. The lower the minimum repayments, the more interest they will earn.
“I don’t think people really take that into account when they choose a credit card. I don’t think people would necessarily choose a two per cent card over a three per cent card. I think it’s more a case of the banks seeing it as a way of making more money.