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.
Statement Balance
STAYT-ment BAL-ens
本期账单总额
명세서 잔액
Where you'll see it你会在哪里看到
- 信用卡 App 与网站的付款页
- 银行寄来的账单 email
- 纸质账单（那上面常印成 New Balance）
What it actually means白话说
这一期账单结算时你欠的总额。每一期都在 due date 前把这个数字全部付清，刷卡消费通常就不会被收利息。付款页通常把它和 Minimum Payment 排在一起，让你选要付哪一个。
Common mistake常见的误会
Statement Balance 不是账户余额。它是信用卡这一期你欠的钱，不是银行账户里有的钱。App 上另一个 Current Balance 会把结账后新刷的也算进去，所以两个数字常常不一样。
Often right next to it旁边常出现的单词
- Current Balance目前欠款 현재 잔액
- New Balance纸质账单上常印成这个词，就是本期账单总额 신규 잔액
- Payment Due Date还款截止日 납부 기한
- Pay in full全额付清 전액 결제
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
“Do you want to pay the statement balance or the minimum?”
你要付本期账单总额，还是付最低还款额？
Listen for these words整句听不懂没关系，抓这几个词
- statement balance本期账单总额
- the minimum最低还款额
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
The statement balance, please.
付本期账单总额，谢谢。
What's my statement balance?
我的本期账单总额是多少？
Is that the full amount?
这是全部的金额吗？
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
你打电话到信用卡客服，要还这个月的账单。
Agent 说：Agent says:
“Do you want to pay the statement balance or the minimum?”