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.
Statement Balance
STAYT-ment BAL-ens
本期帳單總額
명세서 잔액
Where you'll see it你會在哪裡看到
- 信用卡 App 與網站的付款頁
- 銀行寄來的帳單 email
- 紙本帳單（那上面常印成 New Balance）
What it actually means白話說
這一期帳單結算時你欠的總額。每一期都在 due date 前把這個數字全部付清，刷卡消費通常就不會被收利息。付款頁通常把它和 Minimum Payment 排在一起，讓你選要付哪一個。
Common mistake常見的誤會
Statement Balance 不是帳戶餘額。它是信用卡這一期你欠的錢，不是銀行帳戶裡有的錢。App 上另一個 Current Balance 會把結帳後新刷的也算進去，所以兩個數字常常不一樣。
Often right next to it旁邊常出現的字
- Current Balance目前欠款 현재 잔액
- New Balance紙本帳單上常印成這個字，就是本期帳單總額 신규 잔액
- Payment Due Date繳款截止日 납부 기한
- Pay in full全額付清 전액 결제
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
“Do you want to pay the statement balance or the minimum?”
你要付本期帳單總額，還是付最低應繳金額？
Listen for these words整句聽不懂沒關係，抓這幾個字
- statement balance本期帳單總額
- the minimum最低應繳金額
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
The statement balance, please.
付本期帳單總額，謝謝。
What's my statement balance?
我的本期帳單總額是多少？
Is that the full amount?
這是全部的金額嗎？
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
你打電話到信用卡客服，要繳這個月的帳單。
Agent 說：Agent says:
“Do you want to pay the statement balance or the minimum?”