The minimum repayment of a credit card has no impact on your credit report. As long as your repayment amount is greater than or equal to the minimum repayment amount, the bank will not count you as overdue. However, the minimum repayment does not enjoy the interest-free period, and the bank will From the accounting date, interest will be calculated at a daily interest rate of 0.05%.

When repaying the minimum repayment amount, you do not need to apply to the bank. You can repay directly according to the minimum amount on the bill.