Hello, the minimum repayment amount = 10 cash advance principal 10 non-cash advance transaction principal 100 fees 100 interest 100 excess consumption 100% of the unpaid portion of the minimum repayment amount of the previous period 100% Amount of single installment. As long as you repay the minimum amount of your bill before the payment due date, you will not incur late payment fees and will not affect your personal credit. Please rest assured. However, recurring interest will accrue. All consumption in the current period will accrue interest from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you pay it off in full.