Friends who have used credit cards know that credit cards must pay the minimum repayment amount within the specified time to avoid overdue. However, some credit cards are short of a few dollars, which is less than the minimum repayment amount and does not affect credit. This is mainly because the credit card of this bank has tolerance service. Let's have a look.

1. Does a few dollars less on a credit card affect credit?

It stands to reason that if you pay a few dollars less and the repayment amount is lower than the minimum repayment amount, it will affect overdue credit.

However, if the issuing bank provides time service, whether it will be overdue to pay a few dollars less depends on the amount owed. As long as the amount underpaid by most banks is below 10 yuan, it will be regarded as normal repayment, and you will not be overdue, which will naturally not affect your credit.

However, just in case, it's best to call the service hotline of the issuing bank first and turn to manual customer service consultation.

2. A few dollars less on a credit card doesn't mean you don't have to pay it back.

Don't think that paying back a few dollars will not affect your credit. This idea is all wet. In your eyes, a few dollars is a trivial matter, but the bank will not reduce it for you, but directly include it in the next bill, and calculate the interest at the daily interest rate of five ten thousandths in full from the date of consumption.

To this end, don't take any chances. It's best to repay in full according to the amount shown in the credit card bill, to avoid overdue, and not to worry about generating interest, and it is also helpful for cash withdrawal. If it is really impossible to repay in full, you can repay in installments appropriately, and paying more fees is better than calculating interest on a daily basis.

The above is "Will a few dollars less on a credit card affect credit?" I hope it will help everyone.