Objectively speaking, the interest rate cut is the money generated after your credit card is overdue. Then it is clearly written in black and white on the contract before using the credit card, and it must be returned in full before the repayment is due. If it cannot be returned in full, at least the minimum repayment amount should be returned.

How to set the minimum repayment amount is different for each bank. Some are 10% and some are 5%.

To put it simply, you spent 100 yourself, so you should pay back the full amount of 100 before the due repayment date. If you can't pay it back, you have to deal with the minimum repayment amount, that is, ten dollars and five dollars.