The minimum repayment amount of a credit card is 10% of the total amount owed, and the rest can be paid in monthly installments or at one time when there is money, but extra interest is required.

You mean the minimum payment can't be paid? If so, it doesn't matter. It's no use calling the bank. The bank will only reduce your credit limit, not because of 1-2 times. It's ok when you have money. Nothing, and the bank will not pursue it.