The minimum repayment of credit card is not overdue. After the user selects the minimum repayment amount, the bank will charge 0.05% interest on the remaining unpaid part of the credit card from the due date. Although the minimum repayment is not overdue, high interest rate may increase the repayment pressure, and credit card withdrawal is not very good, which will be judged as a low-income group by banks. If you can't repay in full and on time, in addition to the minimum repayment amount, the cardholder can also choose to repay in installments, which is not overdue.