Paying the minimum means there's still significant balance left in your
account,
affecting your rate of credit utilization and
ultimately reducing your credit score.
Those currently owning BTC on CoinQX are not required to do anything regarding the upcoming hardfork, as the hardfork should only
affect miners, so that owners of BTC should
ultimately find the additional Bitcoin Unlimited coin in their
account equal to the amount owned during the hardfork, barring any unforeseen complications.