Generally, the withdrawal amount is 50% of the credit line, and the withdrawal fee is charged at 1%. If you take 5000 yuan, the cash withdrawal fee =5000* 1%=50 yuan, and the cash withdrawal interest is 0.05%, then the daily interest =(5000+50)*0.05%=2.525. The minimum repayment amount means that you need to pay at least 10% of the total amount. As long as you pay off 10%, the bank will not charge you a late fee, but the interest will still be deducted. If you are overdue for more than three installments, the bank will blacklist you and the bank will not approve your future loans.