This sentence means that after the cardholder uses the credit card for consumption, the minimum repayment ratio is reduced from 10% to 5% of the previous consumption amount.

For example, if a cardholder spends 1,000 yuan, he originally needed a minimum repayment of 100 yuan (10% of 1,000 yuan), but now only needs a minimum repayment of 50 yuan (5% of 1,000 yuan).

Although choosing the minimum repayment amount can reduce the pressure of repayment, the unpaid portion will accrue interest, and choosing the minimum repayment for a long time will affect your personal credit record.