No impact. According to the information about Minsheng Bank's credit card, if the minimum repayment is dozens of yuan short and has been made up, it will not have any impact, because when the final repayment date comes, there will be no bad records for credit card repayments that exceed one day, which is harmful to individuals. Credit is not affected at all. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.