If the minimum repayment amount is not paid in time on the current bill, interest and liquidated damages will be generated, but if the minimum repayment amount of the previous period is paid two days before the settlement of the next bill, the personal credit will not be affected.

If the bill is paid on January 2th, the repayment date is February 8th, and the minimum repayment amount is paid before February 18th, the credit information will not be affected.