If the credit card has paid the minimum repayment amount in the current month, and the user has not signed a withholding agreement with the bank, or the withholding agreement only requires the minimum repayment, then there is no need to repay the credit card if the minimum repayment amount is paid in the current month. If the user has signed a bank card withholding agreement with the bank, and the agreement stipulates that the loan will be repaid in full on the repayment date, then after the user actively returns the minimum repayment amount, the system will still initiate automatic deductions until the loan is repaid in full. until the final bill.

Therefore, after the user returns the minimum repayment amount, the system may initiate another deduction. This mainly depends on what kind of withholding agreement the user has signed with the bank.

Is an overdraft on a credit card due to malicious intent considered a temporary limit?

An overdraft on a credit card due to malicious intent is considered a temporary limit. Overdue credit cards include fixed credit card limits and temporary credit card limits. If the temporary credit card limit is not repaid, it will also cause the credit card to become overdue. If the temporary credit card credit limit is not paid off for a long time, it will become a malicious overdraft. Once a credit card becomes a malicious overdraft, not only will penalty fees be charged, but it will also affect the cardholder's personal credit report.

Can I repay the minimum repayment after a few months of credit card overdraft?

1. You can pay the minimum repayment, but you cannot enjoy the interest-free discount for the minimum repayment. Generally speaking, the minimum repayment amount stipulated by banks is 10% of the monthly consumption amount. Some banks will also stipulate it as 5%. There may be certain differences between each bank.

2. If we can repay this part of the amount, then we can pay the remaining funds in installments. At this time, there will be no claim of breach of contract. Those bills paid in installments are essentially equivalent to a loan from the bank. Since it is a loan, a certain amount of interest must be paid for it. However, you should pay attention at this time. The interest rate of this loan is not low. It is equivalent to an annualized interest rate of 18.

Legal basis:

Article 246 of the "Civil Procedure Law of the People's Republic of China"

The period for applying for enforcement is two years . When applying for the suspension or interruption of the statute of limitations, the provisions of the law on the suspension or interruption of the statute of limitations shall apply.

The period specified in the preceding paragraph shall be calculated from the last day of the performance period stipulated in the legal document; if the legal document stipulates performance in installments, it shall be calculated from the expiration date of the last period of performance; if the legal document does not provide for performance The period shall be calculated from the date when the legal document takes effect.