Which is a long-term consequence of paying less than the minimum amount due on your bills? There will be a late fee. You will get a fee for having a negative balance in your checking account. The number of payments will increase. It will be harder to get a good rate on a mortgage when you buy a house.

While consequences such as late fees and higher number of payments are applicable for negative balance and insufficient payments, the consequence with the longest-reaching repercussions is that this financial behavior severely damages one's credit score, hindering one's access to credit and loans from banks in the future.

Therefore, your best answer is It will be harder to get a good rate on a mortgage when you buy a house.