Hello, the minimum repayment amount = 10% advance cash principal+10% non-advance cash transaction principal+100% expense+100% interest+100% excess consumption+/kloc-0. As long as the repayment is made according to the minimum amount before the due repayment date, there will be no late payment fee and personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.