What fraction do you mean? It doesn't matter if it's a few cents. Now banks provide tolerance repayment. Simply put, when the amount you owe is less than 5-1 yuan, there will be deviations according to different banks, which will not affect your credit, and there will be no late payment fee and interest. However, if you have not paid off the minimum repayment amount, there will be a late payment fee. Most banks in China have already provided deferred repayment services, ranging from 1 to 3 days, so it doesn't matter if they are late for one day. Even if there is a late payment fee, it will not affect personal credit.