Im sure user of credit cards knows the policy of any card issuer, local credit card and international credit card have different policy, as long as you pay the total amount of your purchased stuff before the due date you beat them, no surcharge,(international) local credit cards as i have known they rob ur skin off to death specially paying them by certain amount only, the amount u first paid, thast only the interest, why we think they, credit card issuer mushoom like dust, they are taking advantage of the innocent people whom they thought helping them, so users think till your head off before dancing without music