債務問題 卡數及私人貸款

1. Yes and no.

Your credit rating has hurt as your debt to credit ratio becomes larger and larger.

Your payment amount does not really affect your credit rating, even you make minimal payment only.

2. Not much.

Seriously, even you don't spend and the bank doesn't charge you interest, you still need at least 2 years for full repayment.

應該多學習理財知識。否則，不會遠離債務的夢魘。
另一方面, 收入過低亦是問題的重點, 因此, 積極設法改善才是正道。