1 / 4認得Recognize看到這個英文，我知道它大概是什麼。I see it, and I know roughly what it is.
Minimum Payment
MIN-ih-mum PAY-ment
最低應繳金額
최소 결제 금액
Where you'll see it你會在哪裡看到
- 信用卡帳單
- 信用卡 App 的付款選項
- 自動繳款（autopay）的設定頁
What it actually means白話說
這一期最少要付的金額。只付這個不算遲繳，但剩下沒付的會開始算利息。在付款頁上，它通常是幾個選項裡最小的那個數字。
Common mistake常見的誤會
Minimum Payment 不是這個月的帳單金額。它只是「最少付多少才不算遲繳」；這一期一共欠多少，要看 Statement Balance。
Often right next to it旁邊常出現的字
- Minimum Payment Due本期最低應繳 최소 납부 금액
- Interest利息 이자
- Late fee遲繳費 연체료
- Other amount自己填金額 기타 금액
Racco 說Racco says它的意思不是：付這個就沒事。
2 / 4聽懂Understand對方講一整句，我抓得到關鍵字。They say a whole sentence. I catch the keyword.
You may hear你可能會聽到
Agent
“Your minimum payment is thirty-five dollars, due on the fifteenth.”
你的最低應繳金額是 35 美元，15 號到期。
Listen for these words整句聽不懂沒關係，抓這幾個字
- minimum payment最低應繳金額
- due on the fifteenth15 號到期
3 / 4開口Say不用講得完美，我有一句最簡單的可以說。It doesn't have to be perfect. I have one simple line.
You can say你可以說
Is that the minimum payment?
這是最低應繳金額嗎？
I want to pay the full balance.
我要全額付清。
Will I be charged interest?
這樣會被收利息嗎？
4 / 4實戰Survive真的遇到了，我知道現在發生什麼。When it really happens, I know what's going on.
Quick check實戰一下
你在銀行櫃檯問信用卡帳單怎麼繳，行員跟你解釋。
Banker 說：Banker says:
“If you only pay the minimum, you'll be charged interest on the rest.”