according to the credit card contract, many people may not be able to repay all their debts for various reasons after the monthly bill appears, so they should pay a little each month first and choose the method of paying the minimum amount. As long as the cardholder's repayment amount is not less than the minimum repayment amount, it is not overdue and will not leave a bad record on the credit information.

although the minimum repayment is not overdue, the remaining unpaid part will generate interest. Generally, from the repayment date, interest will be charged at the rate of five ten thousandths of the unpaid part every day. If only the minimum repayment amount is paid frequently, the interest will gradually accumulate, which will increase the repayment pressure. Choosing the minimum repayment for a long time may make the bank feel that the cardholder's repayment ability is insufficient, which will affect the credit card quota and may even trigger risk control.