Suppose you spend 13,000 yuan by swiping your card (the cash withdrawal method is different). If you repay the minimum amount of 1,300 yuan before the last repayment date (the 1st), the interest-free treatment will be cancelled. Interest will be calculated from the day the card is swiped, with an interest rate of 0.05%. Calculated based on the total consumption of 13,000, the daily interest is 13,000 Calculated with the sum of accumulated interest (that is, compound interest), that is, the daily interest is = (11706.5N) * 0.05% = M. The total amount accumulated until the 22nd is 21M, so on the bill on the 22nd, you need to repay 11706.5N+21M (yuan). (This is calculated based on 13,000 being a one-time consumption). If they are consumed separately, calculate them separately, and the final results will be slightly different. Specific numbers require specific dates of consumption.