It is allowed that a credit card only pays the minimum repayment amount every month, which will not affect the credit history. However, the longer the time, the higher the compound interest charged by the bank, and the credit card will not be increased, which will affect the credit card usage limit. Some banks will reduce the credit card with continuous minimum repayment. It is not overdue for a credit card to pay only the minimum repayment amount, which will not affect the credit record. The relevant contents are as follows: 1. The minimum repayment amount of each bank is different, generally about 1% of the bill amount; However, if the minimum repayment of this month is not repaid, then the minimum repayment of "next month" = the minimum repayment of "next month"+the overdue fine for the part to be repaid this month+the minimum repayment of this month (about 1% of the total amount). 2. After the minimum repayment amount is paid, from the due date, it is necessary to charge five ten thousandths of the daily interest of the full bill of the month, and compound interest on a monthly basis, which is easy to form a vicious circle.