as long, you pay min. amount stated in your cc statement will be fine. (no CCRIS indicate late payment)

but, if you skip payment or late payment. (CCRIS indicate these)

Commitment as in the original loan amount or the outstanding amount?
There are 4 main things in your CCRIS record that the banks (when you need to apply for a loan) can see and they are:

1. your loan type (housing loan, hirepurchase, CC, etc)
2. Your original loan amount
3. Your outstanding balance
4. Your repayment records (12 months rolling)

If you only pay 50% (or are you referring to 5% instead?) of your credit card every month, then then your outstading balance of the cards will be updated to the CCRIS every month.

However, your repayment schedule will still look nice, as there will not be any late payment recorded as your are sill paying at least 5% every single month.