Occasionally, it won't, but if it has been the lowest in the near future, it will affect your loan and quota, because the bank thinks that you are in financial difficulties, and it is not suitable for lending, or it is not suitable for lending more. I am in this industry.

Second, will the minimum repayment behavior of credit cards affect the mortgage?

No, the minimum repayment amount will not affect your personal credit. But because you haven't repaid in full, consumers don't enjoy the interest-free repayment period. Interest will be charged on all trading funds from the date when consumption is recorded to the settlement date, with compound interest on a monthly basis, and the interest rate on the benchmark date will be five ten thousandths.

3. Does the long-term minimum repayment amount of credit card affect the loan?

The minimum repayment amount of credit card does not affect the loan.

The charge standard for the minimum repayment interest of credit cards is:

1. From the bookkeeping date of each transaction, interest shall be calculated at the daily rate of 0.5 ‰ until each debt is paid off.

2. The cardholder applies for repayment according to the minimum repayment amount, and only pays interest in the second phase, and only pays 65,438+00% of the total bill in the first phase.

3. The amount that the cardholder needs to pay when applying for the minimum repayment amount is: (interest and expenses of the outstanding amount of consumption in the current month) 65438+ 00% of the current overdraft withdrawal amount.

The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.