信用卡最低还款：中英双语解读

中文版

信用卡最低还款是指信用卡持卡人在还款日到来时，无法全额偿还欠款，而可以选择按照银行规定的最低还款额进行还款。这个最低还款额通常是欠款总额的一小部分，通常包括一部分本金和利息。选择最低还款后，剩余的欠款将产生一定的利息和费用，直到全额还清为止。

最低还款虽然为持卡人提供了一种灵活的还款方式，但也存在一定的风险。首先，最低还款产生的利息和费用较高，如果持卡人长期只还最低还款额，将负担较大的财务压力。其次，长期只还最低还款额可能会影响持卡人的信用记录，进而影响其日后的贷款和信用卡申请。

因此，建议持卡人在使用信用卡时，合理规划消费和还款计划，避免长期依赖最低还款。同时，持卡人应充分了解最低还款的相关规定和费用，以做出明智的还款决策。

英文版

Credit Card Minimum Payment: A Comparative Reading in Chinese and English

English Version

Credit card minimum payment refers to the option for credit cardholders to repay only a portion of their outstanding balance, as stipulated by the bank, when the due date arrives. This minimum payment is typically a small fraction of the total debt, consisting of a portion of the principal and interest. By opting for the minimum payment, the remaining balance will accrue interest and fees until it is fully repaid.

While the minimum payment provides a flexible repayment option for cardholders, it also carries certain risks. Firstly, the interest and fees incurred from minimum payments can be significant, leading to significant financial pressure if the cardholder consistently opts for this option. Secondly, relying solely on minimum payments for extended periods can impact a cardholder's credit history, potentially affecting future loan and credit card applications.

Therefore, it is advisable for cardholders to plan their spending and repayments carefully when using credit cards, avoiding long-term reliance on minimum payments. Additionally, cardholders should fully understand the terms and costs associated with minimum payments to make informed repayment decisions.