1. If the credit card repayment is economically difficult, you can use the minimum repayment amount, which is only the last resort when the funds are insufficient this month.

2. The rest of the accounting will be entered into the next statement, and penalty interest will be charged. That's five tenths of the daily interest. Always receive next month's statement date, calculate the amount, and then include it in the statement.

You'd better pay it back in full. The minimum repayment amount is only a last resort when the funds are insufficient this month. Because if you don't pay back a penny, it will be regarded as bad credit. However, paying the minimum repayment amount only means temporary difficulties, and then paying it back when the funds are sufficient. This is a question of attitude and strength.