The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay 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. The minimum repayment amount is listed on the current bill.

Minimum repayment amount = 65438+ 00% of the unpaid consumption amount within the credit line+65438+000% of the cash advance transaction amount+65438+000% of the unpaid part of the previous minimum repayment amount+65438+000% of the consumption amount exceeding the credit line+65438+000% of expenses and interest.

At present, in the above formula, some banks use the minimum repayment rate of 10% to advance cash.

Pay the "minimum repayment amount" before the due repayment date, and calculate the interest accordingly. But it will not affect personal credit.