After paying off the minimum payment on a credit card, the system will consider the user to have repaid on time. On-time repayment will not generate overdue records and overdue interest. If the repayment amount is lower than the minimum repayment amount, the system will regard the user as overdue. Therefore, when repaying the user, if the repayment ability is insufficient, the user can choose the minimum repayment, which can avoid overdue payment.

Of course, after the minimum repayment of a credit card, interest will be charged on the remaining balance to be repaid on a daily basis, which increases the repayment cost. Users with strong repayment ability can choose to repay in full.

After paying off the minimum payment on a credit card, the system will consider the user to have repaid on time. On-time repayment will not generate overdue records and overdue interest. If the repayment amount is lower than the minimum repayment amount, the system will regard the user as overdue. Therefore, when repaying the user, if the repayment ability is insufficient, the user can choose the minimum repayment, which can avoid overdue payment.

Of course, after the minimum repayment of a credit card, interest will be charged on the remaining balance to be repaid on a daily basis, which increases the repayment cost. Users with strong repayment ability can choose to repay in full.