It won't affect your credit, as long as you pay back the money you owe on the repayment date. The bank will send you a message telling you this month's bill, repayment date and minimum repayment amount. You just have to abide by this and pay it back on time, unless you don't pay it back before the repayment date. You can also call the bank to ask such a question, and they will certainly help you patiently.