結算日前全額繳清
Monica is asking her brother, Brian, about an additional charge on her credit card statement.
莫妮卡在問她哥哥布萊恩有關她信用卡月結單上的額外收費。
additional(adj.)額外的
Monica: Brian, take a look at this bill. Why did I get hit with an extra charge of $500?
莫妮卡：布萊恩，看看這張帳單。為什麼我被收取額外的500元費用？
hit sb. with sth. 向某人收取某費用
Brian: Hmm… I think it’s probably the residual interest.
布萊恩：嗯⋯⋯我想可能是循環利息吧。
Monica: What is that?
莫妮卡：那是什麼？
Brian: It refers to the interest that accrues when you carry a credit card balance from one month to the next. This type of interest begins to add up between the time your new statement is issued and the day your payment is posted.
布萊恩：循環利息是指積欠卡費時積累至下期帳單的利息。這種利息會在新帳單寄發後至付款前這段期間開始累計。
accrue(v.)積累、增多accumulate(v.)積累carry a balance 積欠卡費post(v.)支付
Monica: What? So I didn’t actually settle the entire balance?
莫妮卡：什麼？所以實際上我並沒有結清全部卡費？
settle(v.)結清
Brian: Yep. The residual interest kicks in after the billing cycle closes. This is why you won’t see it on your current statement, and it continues to increase until it’s paid in full.
布萊恩：對啊。循環利息會在結算日後累計。這是為什麼你不會在當期帳單上看到它。而且它會不斷增加，直到你全額付清。
kick in 產生作用、見效increase(v.)增加decrease(v.)減少
Monica: Is there any way to avoid it?
莫妮卡：有避免循環利息的方法嗎？
Brian: If your bank offers a grace period for your credit card, then you won’t be subject to the residual interest as long as you settle your balance before it is due. If not, it’s best to pay off your balance before the billing cycle ends.
布萊恩：如果你的銀行有為信用卡提供寬限期，只要在到期前結清卡費，就不會被收取循環利息，否則最好在結算日前全額繳清卡費。
a grace period 寬限期be subject to 遭受某事影響due(adj.)預計的、預期的