No, as long as the minimum repayment amount or full repayment amount of the current period is paid in time every month, the credit record will not be affected.

I also pay a few dollars less or more every month, and the people at Bank of Communications also say that I am a quality customer with a bank record.

The situations that affect credit usually include:

1. Failure to repay on time means that after the current bill comes out, you will have a bad record if you don't deposit more than the minimum repayment amount before the repayment date;

2. The overdraft is not repaid in time, which means that your credit card consumption exceeds your credit limit, but you will have a bad record if you don't repay in time. Although your previous credit card record is very good, if necessary, the bank will allow you to overspend a little, but you don't know the repayment period of the excess, so if you overspend, you'd better pay it back immediately, or call the bank to ask for a temporary increase in the limit;

3. There are bad records in business dealings with other banks, and now the records are shared ~ ~ ~ In one company, all banks will know.