unpaid portion of the minimum repayment amount in the previous period+accounted installment amount+accumulated unpaid expenses and interest+accumulated unpaid cash withdrawal, 1% of consumption amount+transaction amount exceeding the credit limit (including expenses and interest)-1% of consumption and cash withdrawal principal for error handling = minimum repayment amount

If the calculated minimum repayment amount is less than 2 yuan (or 5%),

according to this formula, if you spend 12, yuan by credit card, the minimum repayment amount of the first bill is 1,2 yuan.

if there are no other transactions in the next bill, the minimum repayment amount is (12-12)*1%+ interest. After that, every issue is calculated like this.