If you were 10 yuan short at that time, you would not have paid it off and interest would start accruing, but it fully met the minimum repayment conditions, so the settlement cycle before August should have been normal with no overdue balance, except that there was 10 yuan left. There is a certain amount of interest, and it doesn't matter if you think you can pay it off later. At most, there will be an overdue issue of 10 yuan, and the late payment fee and comprehensive fees may end up being 30 yuan, and then you can pay it off successfully.

There will be no bad records in this case. To a certain extent, the bank hopes that some cardholders will overdue without malicious intent. This is also the meaning of late payment fees. The bank can also impose more additional late payment fees, etc. Additional interest income, if it really involves formal bad records and lawsuits, is usually overdue for several consecutive months or accumulated several times, and after being contacted by personnel, there is still no timely choice to pay off the amount or the required minimum repayment amount. , this will be more dangerous. .

As for the second question, there is no need for you to worry, and the relevant "solution" is not very certain at the moment.

~~The above information only represents personal analysis and opinions.