The overdue fine of Minsheng Credit Card is 5% of the unpaid part of the minimum repayment amount, with a minimum of 10 yuan. The interest rate is 0.5‰ per day.

Late payment fee: 1970 ÷ 10x5% = 9.85 yuan, payable to 10 yuan, 20 yuan for two months.

Interest: 1970X0.5‰X60 days =59. 1 yuan,

Total: 79. 10 yuan

Since compound interest cannot be calculated, it is enough to pay 90 yuan in total.