It won't affect. As the two of them said, this kind of customer bank likes it best because of the high interest.

The only impact is that you want to increase the credit limit of your credit card. If you always pay the minimum amount, the bank will think that your current credit limit is sufficient and will not adjust it for you. This is also easy to solve. As long as you pay more than the minimum amount for three consecutive times and then spend a few large sums, such as spending more than 50% of your credit limit, it is easy for the bank to increase your credit limit.