There is no need to set a minimum repayment service for credit cards. As long as you only pay more than the minimum repayment amount before the due repayment date, you will use the minimum repayment service by default. The minimum repayment amount of a credit card means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is generally 10% of the consumption amount plus other payables, which is listed on the current bill.