1.6W ... Are they all brushed out? For convenience, suppose that your billing date is 1 every month, and the last repayment date is 25th every month. Suppose you swipe your card on the 5th, the repayment amount in the first month is 1.6W, and the minimum repayment amount is about1.6k. If you don't pay it back to 1.6W, then from the day you swipe your card to the next month. The arrears in the second month are1.6w-0.16w =1.44w, and the minimum repayment amount in the second month is 65438+ 00% of the arrears+last month's interest = 14400 * 65438+ 00% of last month's interest. The minimum repayment amount may be calculated according to 65,438+00% of the arrears in the first three months, but in the next few months, the bank may increase your minimum repayment amount, instead of 65,438+00%, and may adjust it to about 20%. The interest of last month is included in the principal of next month, but this part is not more than a few dollars compared with the interest of the original principal. You can consider paying in stages in the future. So you don't have to pay interest as long as you pay the handling fee every month, but the handling fee is calculated at 0.7% per month, so I suggest you consult the customer service of Bank of Communications at 4008009888, hoping it will be useful to you ~ ~