It is 10% of the total amount owed. The calculation method of most banks is to calculate the consumption amount and fees in the bill as %. The minimum repayment amount of 30,000 Guangfa Credit Card is 10% of the total amount owed. Guangfa Credit Card is the first real credit card in China issued by China Guangfa Bank in 1995, and it is also the first credit card to achieve profitability.