Hi, I'm Karina from Wirecutter. I'd like to tell you how to not get confused when you look at your credit card bill. Music credit card bills might seem straightforward at first, but there's a lot of jargon that you really should pay attention to. So let's dive in. The first thing to keep in mind is that your credit bill and credit card statement are the same thing. Your statement will come to you once a month and states with previous month charges. If you're also looking at your account online, you will also see recent charges and pending charges. These are just charges that are still being processed. Now let's talk about balances. There are a couple of different kinds you want to be aware of. First is the current balance. This includes everything you haven't paid for previous month's statements, plus your most recent charges. So simply put, it's all the money that you owe on your card. Then there's your statement balance, which is sometimes called last statement balance or balance due in the last statement. This is the amount you've charged only in the month that just ended. Don't confuse your statement balance with your current balance, which is how much you owe overall. So now you have your balance figured out, and it's time to pay it off. It's really tempting to only pay the smallest amount possible, and the banks know this. That's why they also show you your minimum balance due. It's often a pretty manageable amount, as low as $25. If you owe a lot of money, your minimum payment is typically a percentage of that amount. Pay that amount each month, and you won't ding your credit with a missed payment, and you'll stay on your credit card company's good side. But the...