Minimum repayment amount = 10% consumption balance+10% cash withdrawal balance+interest balance+other payable expenses balance+the unpaid part of the previous minimum repayment amount.
So the minimum monthly payment depends on your monthly consumption.
If your actual repayment amount is lower than the minimum repayment amount on the due repayment date, you will have to pay a late fee for the unpaid part of the minimum repayment amount. The proportion of overdue fine shall be uniformly stipulated by the People's Bank of China, which is 5% of the unpaid part of the minimum repayment amount. The minimum charge for RMB account is RMB 65,438+00, and the minimum charge for USD account is USD 65,438+0 (except for the specified card type).