The balance after the minimum repayment of the credit card will be included in the next statement, and a penalty interest will be charged. That's five ten thousandths of the daily interest. Always receive the next month's statement date, calculate the amount, and then include it in the statement. (You have paid the minimum repayment of more than 5 points this month, and the remaining 1,3 points will be paid with interest of 5/1+days before the next repayment date)

Minimum repayment:

It means that if the cardholder has difficulty in paying off the bill before the final repayment date, he can make repayment according to the minimum repayment amount stipulated by the issuing bank, which will not affect his credit history, but he cannot enjoy the interest-free repayment period, and the minimum repayment amount is the consumption amount.

Extended information:

Impact of minimum repayment of credit cards on credit card owners:

Only the minimum repayment of credit cards is not overdue and will not affect the credit history. The relevant contents are as follows:

1. The minimum repayment of each bank is different, generally about 1% of the bill amount; However, if the minimum repayment of this month is not repaid, then the minimum repayment of "next month" = the minimum repayment of "next month"+the overdue fine for the part to be repaid this month+the minimum repayment of this month (about 1% of the total amount).

2. After the minimum repayment amount is paid, five ten thousandths of the daily interest of the full amount of this month's bill will be charged from the due date, and the interest will be compounded monthly, which is easy to form a vicious circle.

3. Generally speaking, monthly bank credit card bills will be reminded by SMS or sent by paper bills. The bill will indicate: what is the minimum repayment amount, or how much you can apply for installment payment.

4. You don't need to contact the bank to repay the minimum repayment amount. As long as the amount deducted by the bank is greater than or equal to the minimum repayment amount, it will not be overdue, but interest will be charged according to the above.

5. The minimum repayment amount can also be paid for the cash withdrawn, but the cost of cash withdrawal by credit card is high, and besides the cash withdrawal fee, interest will be calculated at .5 ‰ per day from the second day of cash withdrawal.

6. If the minimum repayment amount is paid, no bad record will be left. The bad record will only be left because it is overdue, as long as the money that should be paid back in each period is enough.