First of all, if you have a credit card debt, you must pay it back in time, otherwise it will cause overdue records on your credit record and affect your personal credit. \x0d\ If you have not paid the minimum payment this month, in addition to being overdue on your credit record, there will also be a late payment fee. The late payment fee is calculated as 5% of the unpaid portion of your minimum payment, that is More than 3,000 times five percent. The interest is 6,000 multiplied by five percent multiplied by the total number of days since the day you swiped the card to make the purchase. \x0d\If you pay the minimum payment, there are no late fees, and there will be no overdue record, only interest. \x0d\So if you feel pressure to repay, you can apply for a credit card installment and choose different repayment periods according to your own situation, thereby reducing the pressure of repayment! Or at least pay off the minimum payment. \x0d\In short, if you have credit card debt, you must have a reasonable repayment plan to avoid overdue adverse effects on your credit record!