What is the minimum repayment amount? There is a special formula for this. I downloaded a user's guide in the upper right corner of CCB's credit card website with this formula on it. Let me cut it out for you. According to this formula, if you overdraw 6,543.8+million and there are no other unpaid amounts or expenses, then the minimum repayment amount is about 6,543.8+million * 654.38+ 00% = 6,543.8+million. The specific minimum repayment amount will be shown on your monthly bill. Look at the bill. Repaying the minimum repayment amount on time will not affect your personal credit, but your consumption does not enjoy an interest-free period, and the bank will charge interest in full at the rate of five ten thousandths per day from the date when your consumption is recorded.