Hello, this is the customer service of China Bank. I used the Postal Savings Credit Card, and I have to pay at least the minimum repayment amount before the repayment date next month. The minimum repayment ratio is generally 10%, which is different for different card types, that is, you have to pay 400 yuan at least. If 400 yuan doesn't pay it back, it will be included in your credit record, which will affect your reputation. If you pay back 400, the remaining 3600 will charge you five ten thousandths of interest every day.