The minimum repayment amount of credit card will not affect the credit information, only the overdue credit card will affect the personal credit information. However, after the minimum repayment amount is paid, from the date of repayment, interest will be charged at the rate of 0.5 ‰ of the total amount of the bill in the current month, with compound interest on a monthly basis. Article 15 of the Regulations on the Administration of Credit Information Industry, an information provider shall inform the information subject himself in advance when providing personal bad information to a credit information agency. However, bad information disclosed in accordance with laws and administrative regulations is excluded.