Minimum payment not paid, interest and fees.

1. The minimum repayment has not been paid off: Even if the minimum repayment is paid, the entire bill is still not paid off. The minimum repayment is only a part of the bill, so you still need to continue to repay.

2. Interest and fees: In addition to the principal, credit cards will also generate interest and fees. Even if the minimum repayment is paid, these interests and fees still need to be paid.