51 Credit Card only reads your bill information and reminds you of the current bill and repayment time to avoid forgetting. However, it is not possible to check your repayment record at all times. So nothing will change. Moreover, if you still pay the minimum payment, the interest will be calculated at 0.5% per day, which is not cost-effective. It is better to pay it in installments. If you can pay it back within a few days, just pretend I didn’t say anything