The minimum repayment of credit card of CITIC Bank does not affect the credit investigation. However, it should be noted that the remaining arrears after the minimum repayment amount will generate interest. If you choose the minimum repayment by credit card for a long time, it will lead to increasing repayment pressure. Moreover, the remaining minimum repayment amount must be paid off in full on the next repayment date and cannot be included in the minimum repayment amount.

Extended data:

Credit card repayment method:

1. Repayment by the issuing bank

Including issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. This should be regarded as the most direct and quickest repayment method. Generally, money can be credited on the same day, and the handling fee is free. This method is the best choice under the premise of pressing repayment time.

At present, most domestic banks support counter, ATM, online banking and automatic transfer. However, it should be pointed out that when cardholders transfer money through online banking, they need to open the online banking transfer function of debit cards; Automatic transfer needs to meet the condition of "current account with the same name", that is, the transferred debit card and the transferred credit card must be cards in the same bank name. Relatively speaking, this agreed repayment is also the most convenient way. However, the cardholder should pay attention to the balance of the current account used for repayment, so as to avoid the failure of automatic repayment due to insufficient balance and unnecessary overdraft interest and late payment fees. The most convenient way is to directly associate the salary card with the commonly used credit card. In addition, automatic repayment is usually divided into "minimum repayment" and "full repayment". If you don't want to be charged interest by the bank, and the balance of the account used for repayment is sufficient, it is best to set it to the full repayment mode.

Telephone banking repayment is limited to some banks that have opened the telephone repayment function, such as China Merchants Bank and Industrial Bank, and cardholders need to confirm in advance.

2. Repayment Method Third Party Repayment

At present, although the online banks of major banks have opened the inter-bank transfer business, they basically charge fees, which generally cannot be received in time. Using a third party to pay the repayment can completely solve the problems of charging and timely arrival. Compared with other repayment methods, third-party payment is the most convenient, economical and desirable.

3. Repayment method: Cross-bank remittance repayment

Inter-bank transfer or remittance repayment mainly includes inter-bank transfer in the same city and inter-bank transfer in different places. Either way, you need to pay a certain fee. The charging standard refers to the remittance charge of the bank. In addition, the arrival time of this method is relatively lagging behind, so cardholders should try not to use this method to repay unless absolutely necessary.