If you only pay the minimum repayment amount, it will have no effect on my credit investigation. The minimum repayment amount of Huaxia Bank's credit card is 65,438+00% of the bill amount, that is to say, if your bill is 65,438+00,000 yuan, then you only need to repay 65,438+0000 yuan, so there will be no overdue repayment and no late payment fee.

The repayment amount meets the minimum repayment amount, but it is not fully repaid. In this case, there will only be a penalty interest, and the cardholder will no longer enjoy the treatment of interest-free repayment of consumption. Overdraft interest shall be collected from the date of consumption, with a daily interest rate of 0.5 ‰ until the principal and interest are fully paid off.