Credit cards have a minimum repayment amount and full repayment of current bills. If the minimum repayment has been made, it will not affect the credit information, but it will generate interest and late fees every day according to the current bill. After a long time, the amount will be high and will be collected by the bank. At the same time, the bank will think that there is something wrong with your repayment ability, and suggest reducing the credit card limit or freezing the credit card directly.