If it is a credit card from our bank, there is no need to apply separately for "minimum repayment". As long as you repay according to the minimum amount of the bill before the due payment date, no liquidated damages will be incurred and your credit will not be affected. Personal credit. However, recurring interest will accrue. All consumption in the current period will accrue interest from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you pay it off in full.