If the repayment is lower than the minimum amount, it is suspected of intentional breach of contract. Who cares if you have money to pay back? If you are not sure whether the repayment is guaranteed, you can temporarily not overdraw, and you don't owe money without a card. If you owe money, you must pay it back. You have been allowed to repay part of the loan with the minimum repayment amount and have a repayment period of at least 20 days. Didn't tell you to pay off all the money by swiping your card today. What else do you want? If you fail to repay the loan in accordance with the regulations for three consecutive months, the bank can sue the court and give you the last chance to repay the loan immediately before. If you insist that you really have no money to pay back, you will go to court to hear the verdict, and the charge is fraud.