Paying back the minimum amount will not affect the credit history. The minimum repayment amount of China Everbright Bank is about 65,438+00% of your bill amount. If the minimum repayment amount is not paid this month, the minimum repayment amount next month = the minimum repayment amount next month+the overdue fine payable this month+the minimum repayment amount this month (about 65438+ 00% of the total amount). After the minimum repayment amount is paid, from the due date, it is necessary to charge five ten thousandths of the daily interest of the full bill of the month, and compound interest on a monthly basis, which is easy to form a vicious circle.