If the full amount is not paid in one lump sum, it is recommended to repay the loan according to the minimum repayment amount first. Because paying the minimum repayment amount will not affect personal credit. However, consumption does not enjoy the interest-free period, and the bank charges interest at the rate of five ten thousandths per day from the date when consumption is recorded.
If you don't even pay the minimum repayment amount, you will be charged a late fee.
Late payment fee = (minimum repayment amount-repayment amount before due repayment date) × 5%, and the minimum 5 yuan (1 USD/Euro) is charged every month.
Banks are required to report the use of cards to the People's Bank of China, so the People's Bank of China will also have overdue records. If you don't pay it back for two months in a row, this credit record will have some influence. Moreover, banks will also urge repayment and take certain measures, such as reducing the limit of cards or freezing them.