Credit cards can always pay the minimum repayment amount, but the available balance on the card will be less and less. Because of the minimum repayment amount, the outstanding amount on the bill is occupied and cannot be used before repayment, and the amount that can be received will be less and less.

If the cardholder repays according to the minimum repayment amount, as long as the repayment amount is not lower than the minimum repayment amount (generally 10% of the current bill), it will be regarded as timely repayment, which will not affect the cardholder's personal credit record, but interest will be charged on the unpaid bill.

You don't need to contact the bank to pay the minimum repayment. As long as the amount deducted by the bank is greater than or equal to the minimum repayment amount, you will not be overdue, just charge interest according to the above.

You can also pay the minimum repayment amount for the cash withdrawal, but the cost of credit card withdrawal is high. In addition to the withdrawal fee, there will be an additional interest of 5/10000 per day from the second day of your withdrawal.