Based on the opinions of all people in the industry and my work experience, I tell you responsibly that the reason why the bank gives customers a minimum repayment amount is to let customers enjoy revolving credit, so customers will not enjoy interest-free revolving credit, but their credit records will not be affected in any way. You can see this in the credit card contract, which is the credit card application form. This is the contract. As for why you didn't receive the call, it's because all you saw was the information entered by the bank, and your information may be separated or even distributed to different payees. By the way, if you have any questions, you can call the bank credit card service to check the progress. China Merchants Bank credit card can also check the progress online and handle most of the business.
The minimum repayment amount of a credit card is the minimum amount to be repaid when using revolving credit, which is not less than 10% of the outstanding balance. The amount notified in the report shall prevail. If it is difficult for a credit card holder to repay all the payables before the due repayment date, he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables.