It may affect your credit history, but as long as you prove that you didn't intentionally or maliciously overdraw, the credit card will automatically erase your bad record within two years. I think you are talking about intermittent consumption, and you only pay back the money according to the minimum repayment amount every month. This may be because you really don't know how to use credit. If you pay back the money with the minimum repayment amount, you won't enjoy the interest-free repayment period, so basically there is interest every month. From the above, there should be a late payment fee. It's okay. It's not that mysterious. Pay back the rest of the money. If you want to borrow money in the future, just give a proof that you are not maliciously overdrawn.