The “minimum” payment you highlighted is exactly how they “scam” ignorant people into paying tons of interest over the long term.

Sleepy and I both described PAYING YOUR BALANCE IN FULL.

If you pay the minimum, that means you’re NOT paying your balance in full, and leaving a balance on the card to accrue interest.

This also means that every purchase you make from there on out starts to accrue interest daily, from the day you made the purchase, until your card balance has been paid in full.