The minimum repayment amount in this period refers to the bill issued by your credit card in this period, which leaves out the amount that must be repaid (except for the items that must be repaid, such as cash advance, bank installment fee, interest, etc.). ), and the minimum repayment amount of 10% of other repayment amounts is to give the repayment person a chance. If your current bill cannot be paid in one lump sum for some economic reasons, the bank will give you the minimum repayment amount. As long as the minimum repayment amount is paid, the bank will not record your credit history as a malicious overdraft, which belongs to the scope of goodwill overdraft and will not affect your credit history. Of course, some banks that have not paid back will still charge interest at the rate of five ten thousandths of a day, starting from the day you spend.