Credit cards have a billing date and a repayment date. At a fixed time every month, it will send you a bill of consumption during this period. The bill will record the amount you should repay during this period and the minimum amount you should repay. If you are temporarily short of funds, you can choose the minimum repayment amount. There will be no overdue record after paying the minimum amount. However, you will no longer enjoy the interest-free period, and interest will be charged at 5% from the day you swipe your card. There is a fixed final repayment date every month. There will be no record of overdue repayment before the fixed final repayment date. Therefore, I suggest you read your credit card usage rules clearly, and find out your billing date and the last repayment date, so as to avoid the bad influence on your credit record and future life due to overdue!