Doesn’t count.

1. The minimum repayment amount of a credit card is not considered overdue. The minimum repayment amount of a credit card is a minimum repayment amount set by the bank in response to the cardholder's inability to repay in full under certain circumstances. As long as the amount paid by the cardholder is not less than this minimum repayment amount, the credit card will not be used. Even if it is overdue, it will not be recorded in the credit reporting system. However, it should be noted that if you choose the minimum repayment amount, you will not be able to enjoy the interest-free period of the credit card. Interest will accrue every day, which is generally calculated at 50,000% of the unpaid amount.

2. In addition, although the minimum repayment amount will not be considered overdue, paying only the minimum repayment amount for a long time may affect the credit record of the cardholder, and may even affect the credit card limit and future loan application.