It means that if users have difficulty in repaying all the amount due before the due repayment date, they can make repayment according to the minimum repayment amount stipulated by ICBC.

Calculation method of minimum repayment amount of ICBC credit card:

After selecting the minimum repayment amount of ICBC credit card, you will no longer enjoy interest-free repayment. The minimum repayment amount of ICBC's credit card includes: the sum of the unpaid part of the minimum repayment amount in the previous bill and 1% of the overdraft balance on the current statement date.

Note: ICBC's minimum credit card repayment is calculated from the consumption date, not from the final repayment date. Please pay special attention to this.

ICBC credit card minimum repayment cycle interest calculation method (cancel the full penalty interest);

interest will not be calculated for the repayment before the maturity date. ICBC will charge overdraft interest at the rate of .5 ‰ per day from the bank bookkeeping date to the repayment date.