As long as the money owed to the bank is paid back on time, it will be fine. Even if it is overdue, paying it off within 3 months is only an economic dispute. But if it takes more than three months, or even six months, it will be very troublesome. The bank will first subcontract your debt to a third party for collection (you contact the bank's own collector), and if it cannot be collected, it will take legal measures.

If every month is the minimum repayment amount, it will really affect personal credit evaluation, but it will not be reported to the credit bureau (overdue or bad debt meeting). In addition, the bank has the right to seal the card and ask you to repay it in full, which is stipulated in the agreement. I suggest you pay back the money as soon as possible. Good luck.