Send it here. The balance, the APR, the issuer and the minimum your statement actually printed are enough to rerun the arithmetic line by line and show you where the two calculations part company.

Each message is opened by someone, and the ones that can be answered are answered with the rule or the record the answer rests on named in the reply: your cardholder agreement, Regulation Z, or the Federal Reserve series behind a benchmark rate. An exchange that would be useful to more than one reader can be rewritten with nothing identifying left in it, and it is published only after you have said it can be.