How do you calculate my minimum monthly repayment?

The Minimum Payment Due is (rounded up to the nearest dollar):

1. the Card Balance if it is less than $30; or
2. the greater of:
   • $30; or
   • 2.00% of Card Balance; or
   • the sum of: 1.00% of the Card Balance; Late Payment Fee (if any); and interest charged (excluding any interest included in amounts added back below as part of a Fixed Payment Option) for that month,

plus any Instalment, initial interest charge, Fixed Payment Option fee or related interest on any of them, that is part of a Fixed Payment Option for that month.