There is no need to apply for the minimum repayment amount of credit card. The minimum repayment amount is the minimum amount that needs to be repaid in the current month when revolving credit is used, and the minimum repayment amount is listed on the current bill.

Calculation method of minimum repayment amount of each bill:

Minimum repayment amount = 65,438+00% for all general transactions in the credit card account+65,438+000% for all unsettled installment transactions in the account+65,438+000% for the unpaid part of the minimum repayment amount in the previous period+65,438+000% for all funds used in the account exceeding the credit limit.

As long as you repay according to the minimum amount of the bill before the due date, there will be no late payment fee, and it will not affect your personal credit, but it will generate cyclic interest. All consumption in the current period starts to bear interest from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until you pay it off in full.