In case of prepayment, the maximum repayment is 199 yuan. Generally speaking, reducing repayment means that when a credit card repays in advance, the bank reduces part of the repayment amount for consumers. "Maximum reduction of repayment principal 199" means that when the principal is repaid in advance, a part can be reduced, but at most it can only be reduced by 199 yuan. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.