1. Only paying the minimum repayment amount will generally not affect your credit. As long as your deductible amount is greater than or equal to the minimum repayment amount, the bank will not make it difficult for you. Only paying the minimum payment will only charge interest on the remaining balance with a daily interest rate of about 0.5%, which will not cause any stain on your credit.

2. The minimum repayment amount means that if the cardholder has difficulty repaying all the amount payable before the due repayment date (inclusive), the cardholder can repay according to the minimum repayment amount stipulated by the card issuer. However, you cannot enjoy the interest-free repayment period, and the minimum repayment amount is 10% of the consumption amount plus other various payables. The minimum payment is listed on the current bill.