1. The minimum repayment amount is the normal repayment method of credit cards. As long as the amount of bank deduction is greater than or equal to the minimum repayment amount, it is not overdue, no overdue records will be generated, and no credit information will be submitted, which can reduce the repayment pressure of users.

2. Only the minimum repayment amount is paid every month, and the interest of 0.05% of the outstanding amount of this month's bill is charged from the due date, calculated on a daily basis.

You don't need to contact the bank to pay the minimum monthly repayment. As long as it is enough for the proportion of debts stipulated by banks or financial institutions, it is not overdue.