Will affect the reputation and credit. Contact the lending institution, explain the reasons, and the repayment method as soon as possible will affect the credit investigation. The repayment amount is also related to the overdue time. The longer the time before the next loan, the better. ICBC basically sets the minimum repayment amount as 5% of the unpaid part, and the charging method is one-off. For example, to calculate the credit card penalty: the cardholder overdraws 654.38+00000 yuan with the credit card, and the minimum repayment on the repayment date must be 654.38+0000 yuan. If the cardholder only repays 300 yuan when due, 700 yuan will charge 5% penalty from 35 yuan.