If it is a CMB credit card, please rest assured that as long as the payment is made according to the minimum amount of the bill before the due repayment date, there will be no late payment fee and personal credit will not be affected. However, it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.