What is the ruling on paying an amount less than the full debt owed on an Islamic credit card?

If the amount requested for repayment by the bank is a portion of the outstanding amount, then there is no harm in that, and it does not affect the ruling on the card if it conforms to Islamic legal guidelines. Scholars have differed on the extent of the lender's obligation to adhere to the term and whether he has the right to demand it before its due date.