If it is not convenient to repay in full, you can repay the minimum amount on the due date, so that the bank will not count you as overdue and there will be no bad credit record. But the minimum repayment amount still needs to be paid. Your credit card consumption and withdrawal will start from the day when you swipe your card or withdraw cash, and you will receive 0.05% interest every day. (The short message only suggests that the landlord pay in full. If it has not been repaid at present, but the minimum repayment amount has been repaid, it is also possible. )