1. The minimum repayment amount of a credit card means that the user has financial difficulties and cannot repay on time, and can repay according to the minimum repayment amount stipulated by the issuing bank. The minimum repayment amount is 1% of the arrears plus other payables, and during this period, he cannot enjoy the interest-free repayment period.

2. That is to say, if you can't repay the full amount on the credit card default date, you can make the minimum repayment, only 1% of the debt needs to be repaid, and the remaining debt will be accumulated in the next month's bill, which is a good repayment method for some people with financial constraints and can reduce the repayment pressure.

3. In the minimum repayment, the advantage is that it will not be overdue and will not be reported to the credit information. The disadvantage is that the daily interest rate is calculated from the credit card date, and the unpaid part needs to pay 5% of the daily interest rate, so it does not enjoy interest-free treatment.

4. credit cards can also be set to repay by installments. when the economy is tight and it is impossible to repay all the debts, after choosing to repay the minimum repayment, the remaining amount can be repaid by installments, which can alleviate the pressure.