The credit card has already paid the minimum repayment amount in advance, and there is no need to pay it back on the repayment date. According to the information of China Travel Service. Com, if the monthly minimum repayment amount has been settled before the repayment date, there is no need to repay before the repayment date. As long as the minimum repayment amount is settled before the repayment date (inclusive), the credit card will not be overdue.