Hello, I am the account manager of the Credit Card Center of Industrial Bank Yiwu Branch. The minimum repayment amount of Industrial Bank is 10% of the total amount. Choosing the minimum repayment amount will not have an impact on your personal creditworthiness. The minimum repayment amount is an amount that must be paid when the repayment is due, otherwise corresponding late payment fees will be charged. If it is an overdraft for personal consumption, it is recommended to repay it in installments. Such planned consumption and planned repayment are more beneficial to us personally, no matter what aspects. If you still have any questions that you don't understand, you can contact me by phone. Baidu knows that the account is my mobile phone number.