The minimum repayment amount is in exchange for high interest without affecting the credit, which is generally 10% of the full amount.

Calculation method of minimum repayment amount of credit card of China Construction Bank;

The minimum repayment amount of CCB's credit card = the consumption amount within the credit line × 10%+ the cash withdrawal amount of the credit card × 10%+ the unpaid part of the previous minimum repayment amount × 100%+ the transaction amount exceeding the credit line × 100%+ all expenses and interest ×/kloc-0.

In general, the minimum repayment amount is 65438+ 00% of the credit card amount this month. However, as can be seen from this formula, if you withdraw cash this month, you should add 10% of the withdrawal amount and the interest and expenses to be borne by the withdrawal amount. And the full amount of the minimum repayment amount on the previous billing date, and the full amount of the transaction amount exceeding the limit.

If the repayment amount before the due repayment date is greater than or equal to the minimum repayment amount and less than the current repayment amount, only interest needs to be paid; If it is lower than the minimum repayment amount, in addition to interest, it will also pay a late fee, which will affect the credit record.