Credit cards can maintain the minimum repayment status for one year. Minimum repayment is a repayment option provided by credit card. As long as each installment is repaid on time, the bank will regard the user as normal repayment. Normal repayment will not produce overdue records and overdue interest, and will have no impact on personal credit investigation. Regarding the question of whether it is ok to pay the minimum repayment for a credit card for one year, the following is a detailed answer for you by Net Xiaobian. 1. Can a credit card pay the minimum repayment for one year? A credit card can keep the minimum repayment for one year. Minimum repayment is a repayment option provided by credit card. As long as each installment is repaid on time, the bank will regard the user as normal repayment. Normal repayment will not produce overdue records and overdue interest, and will have no impact on personal credit investigation. Of course, the lowest repayment rate may make the bank think that the user's repayment ability is insufficient. Users pay the minimum repayment within one year, which may also lead to the postponement of credit card withdrawal. After all, banks are more willing to lend money to users with strong repayment ability. Second, what should I do if the credit card withdrawal is not due? 1. Repay the minimum repayment amount. Every bank will set a minimum repayment amount for credit card holders. As long as the cardholders can repay this minimum amount, the bank will neither charge late fees nor affect personal credit. Generally speaking, this minimum repayment amount is 1% of the bill amount. That is to say, if you spent 1, yuan last month, and you don't have enough money this month because of unemployment or other reasons, you just need to return to 1 yuan or above. However, it should be noted that if you choose the minimum repayment amount, you will not be charged a late fee, but you will be charged a daily interest of .5%, which is quite a lot. Therefore, it is best for the borrower to repay all his bills as soon as possible. 2. Take the initiative to negotiate with the bank. If the cardholder can't even pay the minimum repayment amount of 1%, then don't choose to run away, that is, change the address and mobile phone so that the bank can't contact. This is the worst way to deal with it. You should know that from the day you apply for a credit card, your personal data and credit situation will be recorded in the central bank's credit information system. No matter where you go in the future, unless you don't deal with the bank in this life, you don't pay the water, electricity and media fees in your real name, you don't buy a mobile phone card and handle a fixed telephone, etc., otherwise the bank will find you, and your credit record will be smeared. It will be difficult to obtain bank loans and credit card approvals in the future, and it may even affect your future employment. The above is the relevant content compiled by Xiaobian. Credit cards can maintain the minimum repayment status for one year. Minimum repayment is a repayment option provided by credit card. As long as each installment is repaid on time, the bank will regard the user as normal repayment. Normal repayment will not produce overdue records and overdue interest, and will have no impact on personal credit investigation. If you have other needs, you are welcome to do one-on-one legal consultation online.