10%. The minimum repayment of China Construction Bank's credit card is a repayment method that cardholders can choose to maintain their personal credit when they are unable to repay the full amount. The minimum repayment is 10% of the overdraft consumption part of the bill amount + the principal of each installment The minimum repayment of the China Construction Bank credit card does not enjoy the interest-free treatment. Interest will be charged at a rate of 0.05% per day from the date of consumption, and compound interest will be charged on a monthly basis.