18,000. If you owe 180,000 yuan on a credit card, the minimum repayment limit is 18,000 yuan. If you withdraw cash, you must repay it in full. Failure to repay a credit card overdue is a breach of contract. The bank can require the cardholder to repay the principal as well as overdue interest, late payment fees, over-limit fees, etc.; if the bank sues in court and wins, the cardholder will also have to bear the litigation costs. . If a cardholder maliciously overdrafts a certain amount for the purpose of illegal possession and fails to repay the amount overdue, this constitutes a crime of credit card fraud and he will also bear criminal liability.