If there is indeed not enough funds to repay in full on the due date, the cardholder can choose to repay the credit card with the minimum repayment amount. In this way, cardholders only need to repay about 10% of the balance owed on the bill each period (the minimum repayment amount includes a certain proportion of the accumulated unpaid principal of consumer transactions, the amount of overdraft cash withdrawals, all fees, interest, and debts exceeding the account credit limit. The total amount of the payment, the amount of other debts stipulated by the card issuer that the cardholder should repay, and the unpaid portion of the minimum payment amount in the previous months). When using the minimum repayment amount to repay, the cardholder will have to bear the corresponding interest, but it can avoid high late payment fees and other fees, and at the same time avoid the impact on the personal credit record. \x0d\If the cardholder does not repay the full amount after the due payment date and does not choose the minimum repayment amount, he may face the following measures taken by the bank:\x0d\\x0d\　1. The consumption money will no longer be eligible for payment. Interest-free repayment treatment. The card-issuing bank will calculate interest on the principal of the consumption amount on a daily basis from the day the consumption occurs, with a daily interest rate of 0.5% and compound interest on a monthly basis. For the unpaid portion of the minimum repayment amount, a late payment fee of 5% will also be charged on a monthly basis. \x0d\\x0d\　2. Receive a reminder call and letter from the card-issuing bank. \x0d\\x0d\　3. The credit card account is frozen by the card-issuing bank, and the debt record may be fed back to the People's Bank of China's personal credit system, affecting the cardholder's personal credit record and causing the cardholder to be unable to apply for a housing mortgage loan normally.