The minimum credit card payment does not affect your credit.

The minimum repayment amount is the repayment amount approved by the bank. As long as you guarantee that you can repay according to the minimum repayment amount, it will not be considered overdue, and it will not affect your credit.

However, interest will be charged on the minimum repayment of a credit card, and the minimum repayment is not interest-free.

The interest charged on the minimum repayment is calculated as a daily interest rate of 0.05, starting from the day of consumption, and calculated on a monthly compound interest basis. Under this calculation method, new interest is generated every day, and early interest will generate compound interest. The longer the debt is in arrears, the greater the repayment pressure.