Hello, if it is a China Merchants Bank credit card, if you cannot pay it off in one go, you can pay off the minimum payment amount on time before the last payment date. It will not affect your personal credit, but you will not be able to enjoy interest-free repayment. Period, all consumption in the current period will accrue interest from the accounting date, and the daily interest rate is 0.5%. (If you repay in full and on time, you can enjoy the interest-free period for credit card purchases.) If you do not repay, your credit will be affected and you will be charged interest.