Turn off the automatic repayment function of your savings card... Then the current situation will still happen in the future...

Furthermore, there is a difference between the minimum payment and having paid off all the bills. The concept is that if you pay off all the bills, the bank will not automatically deduct the money, but if you make the minimum payment, the bank will definitely deduct it from you, and if you make the minimum payment, the bank will charge interest during the interest-free period.

Suppose you swiped your card on the 1st of last month and spent 20,000. Then the 1st of this month comes, and you still haven’t paid the full amount, so you chose the minimum repayment, which is 2,000. So, how is the interest calculated now?

First of all, the bank will calculate back the interest during the interest-free period. That is to say, from the first day of last month to the first day of this month, there are a total of 30 days. If the interest is 1.5%, the amount of 20,000 is 300 interest.