Hello, the minimum repayment amount = 1% cash advance principal+1% non-cash advance transaction principal+1% expenses+1% interest+1% excess consumption+1% unpaid minimum repayment amount in the previous period+1% installment amount. As long as you repay the bill according to the minimum amount before the due repayment date, there will be no late payment fee and your personal credit will not be affected. Please rest assured. However, it will generate cyclic interest. Interest will be charged from the bookkeeping date (usually the day after consumption) for all consumption in the current period, with a daily interest rate of five ten thousandths until you pay it off in full.