The disadvantage of the minimum repayment amount of a credit card is that it will generate interest. Generally speaking, after the minimum repayment amount, the cardholder will calculate the interest according to all bills and the daily consumption amount. The monthly compound interest is calculated at 0.05%, and the remaining unpaid interest continues to be calculated at the daily interest rate of 0.05% until it is paid off. However, the minimum repayment of credit cards is not overdue and will not have a negative impact on personal credit information.