morning bro .

ohh.. kalo 200 minimum yang u bayar .. so outstanding balance yang u ada mesti dalam rm4000 kan .. u kena bayar kat bank 60 ringgit as interest. dan u bayar 140jer utk credit card u .60 ringgit u rugi tiap 2 bulan .(counted as 1.5% every month & this is how bank make money from people )

so u leh tukar ke rm130 jer ..kalo kira 6% interest.dan u cuma kena charge 20 ringit jer as interest.(counted as 0.5 % every month)