1 / 4认得Recognize看到这个英文，我知道它大概是什么。I see it, and I know roughly what it is.
Minimum Payment
MIN-ih-mum PAY-ment
最低还款额
최소 결제 금액
Where you'll see it你会在哪里看到
- 信用卡账单
- 信用卡 App 的付款选项
- 自动还款（autopay）的设置页
What it actually means白话说
这一期最少要付的金额。只付这个不算逾期，但剩下没付的会开始算利息。在付款页上，它通常是几个选项里最小的那个数字。
Common mistake常见的误会
Minimum Payment 不是这个月的账单金额。它只是「最少付多少才不算逾期」；这一期一共欠多少，要看 Statement Balance。
Often right next to it旁边常出现的单词
- Minimum Payment Due本期最低还款额 최소 납부 금액
- Interest利息 이자
- Late fee滞纳金 연체료
- Other amount自己填金额 기타 금액
Racco 说Racco says它的意思不是：付这个就没事。
2 / 4听懂Understand对方讲一整句，我抓得到关键词。They say a whole sentence. I catch the keyword.
You may hear你可能会听到
Agent
“Your minimum payment is thirty-five dollars, due on the fifteenth.”
你的最低还款额是 35 美元，15 号到期。
Listen for these words整句听不懂没关系，抓这几个词
- minimum payment最低还款额
- due on the fifteenth15 号到期
3 / 4开口Say不用讲得完美，我有一句最简单的可以说。It doesn't have to be perfect. I have one simple line.
You can say你可以说
Is that the minimum payment?
这是最低还款额吗？
I want to pay the full balance.
我要全额付清。
Will I be charged interest?
这样会被收利息吗？
4 / 4实战Survive真的遇到了，我知道现在发生什么。When it really happens, I know what's going on.
Quick check实战一下
你在银行柜台问信用卡账单怎么还，银行职员跟你解释。
Banker 说：Banker says:
“If you only pay the minimum, you'll be charged interest on the rest.”