2% of the payment. A monthly credit card repayment amount of 2% of the repayment indicates that there is a repayment record and shows the repayment behavior on the credit card account. However, in order to establish a good repayment record and credit history, repay the credit card bill in full. A credit card is a financial instrument that allows the cardholder to use funds provided by a bank or financial institution in the form of a loan for a specific period of time.