According to your picture, you only owe the bank more than 450, and you just paid back 500, so you don’t owe the bank any money.

The reason why you still owe 200 on the card is because you made purchases after the bill was issued. As long as you repay the over 200 you owe before October 25th, it will be ok, so no interest will accrue.

The gameplay is very simple, and you will get used to it gradually. Anyway, please note that there are bills every month. You must pay back all the money before the latest payment date of the current bill. It doesn’t matter if you exceed it. It cannot be less, even at least 1 yuan, otherwise the interest will be very high. Their method of calculating interest is very shady.