Paying the minimum payment on a credit card is not considered overdue. The minimum repayment is the same as the normal repayment and will not be counted as overdue. The user only repays the minimum repayment amount and does not repay the entire amount due. In this case, the bank will consider that the user has fulfilled the minimum repayment amount. Repayment obligations will not be counted as overdue. From the time the consumption is recorded to the final repayment date, the interest collected is about 50 days. If the minimum payment is made, it is 30 days. The interest on the minimum payment at one time is less, and the debt can be paid off temporarily. , the minimum repayment is very cost-effective. The minimum repayment system of the credit card is to provide users with flexible repayment options while ensuring that the bank can earn income by charging interest. The revolving credit mechanism of the credit card allows users to reuse the credit card within the credit card limit. paid off funds.