hello, I'm the account manager of the credit card center of Yiwu Branch of Industrial Bank. The minimum repayment amount of Industrial Bank is 1% of the total amount. Choosing the minimum repayment amount will not affect personal credibility. The minimum repayment amount is a sum that must be repaid when the repayment is due, otherwise the corresponding late payment fee will be charged. If it's an overdraft for personal consumption, it's recommended to repay by installments, so that planned consumption and planned repayment are beneficial to us personally, no matter from what aspects. If there are any questions you don't quite understand, you can call me. Baidu knows that the account is my mobile phone number.