If it is a China Merchants Bank credit card, it will not reduce the quota. 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. Please rest assured. However, it will generate cyclic interest, and all consumption in the current period will start to bear interest from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until it is fully paid off.