Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Interest follows the contract start date
Interest is calculated on eligible unpaid balances according to the issuer's contract.
15% is a cap, not a universal rate
Issuers may apply different rates to different cardholders.
Minimum-only payment can extend debt
Principal falls more slowly.
Model the cost first
Use the revolving-interest calculator to estimate the scale of interest.
Official reference
Taiwan Banking Bureau — proper credit-card use ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.