detailed description:

1. The overdue repayment of credit card refers to the situation that the repayment is not made within the time after the repayment due date. Under normal circumstances, the bank will give a certain grace period, and failure to repay after the grace period will be regarded as overdue.

2. The minimum repayment refers to the minimum repayment amount set by the bank, and you can still choose to pay the minimum repayment after the deadline.

3. The minimum repayment can prevent the credit card account from being included in overdue records and reduce the impact on personal credit score. However, it should be noted that the minimum repayment only temporarily delays the repayment responsibility, and the repayment interest will continue to accumulate, and overdue penalty interest may be charged.

4. If the overdue repayment time is not long and the overdue amount is small, short-term repayment at the minimum amount should meet the requirements of the bank and avoid excessive expenses and influence.

5. However, the minimum repayment is only a temporary solution, and it is not recommended to repay with the minimum repayment for a long time. Long-term repayment with the minimum amount will lead to the cumulative increase of interest, the extension of repayment period and the increase of final repayment amount.

6. It is suggested to repay the loan in full and on time as far as possible to avoid overdue and interest charges and maintain your good credit record.

Summary:

You can choose to repay your credit card by the minimum amount for several hours, but the minimum amount is only a temporary solution, and you should repay it in full as soon as possible to avoid generating more interest charges and affecting your personal credit score.

Extended information:

According to the Credit Card Management Measures of the People's Bank of China, banks can set a minimum repayment amount and require cardholders to pay at least the minimum repayment amount. Overdue repayment will generate overdue interest, overdue penalty interest and other expenses, and may have a negative impact on personal credit records. It is suggested that cardholders plan their consumption and repayment reasonably, avoid the occurrence of overdue situations, and try to repay in full and on time to reduce interest expenses.

the above are the answers according to the relevant regulations and common situations of credit card management. Due to the limited information, the above answer may not cover all situations. Please refer to the relevant regulations of the bank and the advice of consulting professionals for specific operations. If necessary, please further communicate with the bank or relevant institutions.