Monthly statement, generally including electronic statement and paper statement, refers to the credit center (credit card center) of the issuing bank. After the cardholder's monthly billing date is settled, the cardholder's credit card details are packaged into e-mail and sent to the billing mailbox written by the cardholder, or printed into a statement and sent to the billing address of the cardholder, indicating the consumption amount, minimum repayment amount and final repayment payment period.

The cardholder should first carefully check whether the statement is consistent with the retained signature. If there is any difference, he can notify the bank and suspend the payment.

The minimum repayment amount refers to the minimum amount returned to the current bill before the final repayment date. There will be no late payment fee, no active application, and no impact on credit information, but the consumption in the bill does not enjoy interest-free. All consumption in the current period shall be charged with interest from the bookkeeping date, and the daily interest rate shall be 0.5 ‰ (repayment in full and on time, and credit card consumption can enjoy interest-free period).

Minimum repayment amount = amount owed this month × 10% (5% for standard card)+minimum repayment amount not paid in the previous period, with minimum repayment amount.

The minimum repayment amount (slightly different for different banks) is gold card 100/$20 and ordinary card 50/$ 10. If the minimum repayment amount is not enough within 30 days after the repayment due date, the card will be suspended.