first, contact customer service by telephone to strive for installment payment \xd\ second, the minimum repayment amount means that you pay off the "minimum repayment amount" listed in the current bill before the specified due repayment date. \xd\ The calculation method of the minimum repayment amount is as follows: \xd\ unpaid part of the minimum repayment amount in the previous period \xd\+ accumulated unpaid expenses and interest \xd\+ accumulated unpaid cash withdrawal amount \xd\+ 1% of accumulated unpaid consumption amount \xd\+transaction amount exceeding the credit limit (including expenses and interest) \ xd. \xd\2. Generate interest; \xd\3, affect the withdrawal; \xd\4. If the repayment is overdue for 3 months, it will be a malicious overdraft, and the bank will sue and cannot handle credit business in the bank within 5 years from the date of paying off the debt.