<prompt> Human: So my total balance is 215, my last statement balance is 150, and Im only able to pay around 100 this month. Does my interest rate only apply to the remaining 50 of my last statement balance, or is it going to apply to my total remaining balance of 100. My rate is around 11. This is the first time this has happened and every time I ask someone at my bank, I leave even more confused. Thanks!  <response>: This information should be available on your credit card disclosures. That depends on what credit card you have.Worst-case scenario: your grace period ends, charging you interest and back-interest on the 50 based on the original purchase date, compounded daily, as well as the original purchase dates of all your other charges, until your statement can be paid in full. Not all credit cards are this shitty, though.Best-case scenario: You get a friend to spot you 50 and pay him back first chance you get.Id consider budgeting more carefully with something like Mint.com or YNAB, so this doesnt ever happen again. 