yes. The cardholder only needs to repay on time within the specified repayment period, and the repayment amount is not less than the minimum repayment amount of the current bill, which is regarded as normal repayment and is not counted as overdue. Moreover, the card has not expired, and naturally there will be no adverse effects.

however, it should be noted that if the credit card always pays the lowest repayment, the issuing bank will think that the customer's repayment ability is insufficient, which is not conducive to the improvement of the card issuance quota, and may even reduce the card issuance quota.

in addition, after the minimum repayment of the credit card, the remaining unpaid part will be fully included in the minimum repayment amount of the next bill, so the customer must pay off the remaining unpaid part when repaying the next month, otherwise it will be equivalent to not paying the minimum repayment amount of the bill, which will lead to overdue and personal credit damage.

after using the minimum repayment amount of the credit card, you will not be able to enjoy the interest-free period again, and will generate cyclic interest until the user pays off all the debts. Therefore, it is suggested that customers should pay in full on time if they have the ability, instead of paying only the minimum amount frequently. This can avoid the continuous accumulation of interest and maintain a good credit record.

how can I pay the balance after the minimum repayment of the credit card?

the remaining unpaid debts only need to be paid off before the next bill date. As there is still the unpaid part after the minimum repayment of the current bill, it will be included in the next bill. Therefore, if the unpaid part of the minimum repayment of the current bill cannot be fully paid off before the repayment date of the next bill, that is, the minimum repayment amount is not repaid on time when the next bill is repaid, it will lead to overdue and affect personal credit information.

in addition, if the issuing bank provides a grace period for repayment, if it cannot be repaid before the repayment date, it will be repaid within the grace period, and the bank will consider it as normal repayment.