At present, the most important factor affecting loans is credit reporting, and only overdue or other dishonest behaviors will be included in the list of untrustworthy people. Once included in the list of untrustworthy people, there will be no more loan opportunities.

However, your situation is obviously not treachery. The minimum repayment amount refers to the minimum repayment amount stipulated by the issuing bank when the cardholder can't repay all the payables before the due repayment date (inclusive). The general minimum repayment amount is 10% of the consumption amount.

In other words, your repayment is in line with bank regulations. Although you have paid the minimum repayment, you are not overdue, so it will not affect your personal credit.

However, it should be noted that this repayment method is not cost-effective for those of us who use credit cards, because it charges cyclic interest, and its calculation method is "10% credit line consumption+100% cash transaction in advance+100% previous minimum repayment amount +65438+65438".