As far as I know, the minimum repayment amount of the bank is calculated according to the monthly card usage, which is not fixed, and the proportion is not fixed at 10% of the total bill (except for credit cards and 10% of cash withdrawal, banks will also include installment principal, fee transactions, over-limit transactions, etc.).

Take my CCB credit card as an example. The following is the formula for calculating the minimum repayment amount of his family:

For example, the billing date of the landlord is the 5th of each month, and the due repayment date is 20 days after the billing date, that is, the 25th of each month.

The landlord 7/4 swiped the card for 2000 yuan, and there was another installment. The installment principal of each installment is 1000 yuan, and the handling fee is 36 yuan (for example, the consumption is divided into 6 installments according to 6000 yuan).

Then 7/5 total bill = consumption part+installment principal+installment fee.

=2000+ 1000+36

=3036 yuan

Minimum repayment amount = 65438+ 00% of accumulated unpaid consumption+installment principal+installment handling fee.

=2000* 10%+ 1000+36

= 1236 yuan

If the landlord has other questions, you can ask.