Just change the minimum repayment directly.

the minimum repayment amount is controlled by the bank, and you can't set the minimum repayment amount yourself. You can apply for minimum repayment for credit card due repayment.

The specific credit card repayment period and punishment are as follows:

If you pay off in full, you will not incur any expenses;

Credit cards generally have a grace period of three days after repayment, and repayment within the grace period is regarded as timely repayment;

if the minimum repayment amount is paid, the daily interest needs to be calculated, starting from the consumption bookkeeping date;

if the repayment is overdue beyond the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, the interest will be calculated from the bookkeeping date, and a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis;

the specific daily interest rate may be different for various credit cards.

How to calculate the minimum repayment of bank credit card:

The calculation rule of the minimum repayment amount of bank is: 1% of your consumption+1% of your cash withdrawal+all interest on the current bill+all expenses on the bill (that is, late fees, over-limit fees, etc.)+the unpaid part of the minimum repayment amount on the previous bill, so the minimum repayment amount is not a fixed value, which depends on the arrears;

each bill will give a full repayment amount and a minimum repayment amount, and the repayment will be made according to the bill amount. As long as it is not in arrears, there will be no adverse impact on the credit record, but additional interest should be paid. The interest is calculated at the rate of .5 ‰ per day, starting from the date when the consumption is recorded. After each billing date, the interest will be recorded as compound interest, so it is recommended to repay in full as soon as possible.