it will not your credit reputation if you did not settle your outstanding balance fully

it will only hurt if you failed to pay the minimum amount

also, sometimes it's good to take some small loan and pay back promptly, it will certainly helps in the future if you need to get a bigger loan

put it this way, will you lend money to someone who have good history of paying back his loans on time, or lend to someone that never pinjam money before?