Remarks：
1) Asume no new transaction, credit card annual fee or other fees and charges;
2) Asume repayment is made on or before the payment due date;
3) Monthly interest amount is based on 30 days to calculate;
4) The planned monthly payment amount cannot be lower than the minimum payment amount;
5) The above calculation of time and amount (is rounded up to 2 decimal places) is for reference only.