Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Principal still exists
It has merely been amortized more slowly.
Total interest can increase
Outstanding principal remains higher for longer.
Focus on post-grace affordability
The later payment is the critical figure.
Stress-test rates
Floating-rate loans need higher-rate scenarios.
Official reference
Taiwan Banking Bureau — APR / total cost examples ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.