What happens if I pay only the minimum amount due on my credit card?
Ananya Chaturvedi
Asked 3 Apr 2026
I cannot pay the full outstanding amount this month. What are the financial consequences if I pay only the minimum due on my ICICI Bank credit card?
2 Answers
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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