Credit cards are related to the credit of the Credit Information Center of the People's Bank of China, with only the minimum repayment amount and the last repayment date.

In other words, if you repay the specified "minimum repayment amount" before the date of repayment, your personal credit will not be affected.

For example, the credit card center informs you that your card is currently in arrears 1.500 yuan, and the minimum repayment amount is 1.50 yuan, so you have to repay it before 1.05. Then, as long as you have 150 yuan before/kloc-0+05, your personal credit will not be affected. No need to pay 1500 yuan.

But I still want to remind you that if you only pay back part of it, but not all of it, the bank will calculate interest for you, which is not a little bit. Look at your bill details!

Therefore, if possible, it is best not to owe money to the bank.