请教几个关于HBC credit card的问题

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今天收到了HBC CREDIT CARD,但是有几个问题不明白
1.账单上为什么有一项说"TOTAL Minimum Payment...$14", 什么意思?我还需要付吗?
2.有张表格是"AccountGard",我不太理解如果申请了这个有什么benifit?
3.我如何付这个credit card账单阿?去哪里付?
谢谢
 
1.账单上为什么有一项说"TOTAL Minimum Payment...$14", 什么意思?我还需要付吗?

you need to pay at least $14 by the due date, in order NOT to DAMAGE your credit



2.有张表格是"AccountGard",我不太理解如果申请了这个有什么benifit?]

some kind of insurance, in case you die, or get crippled, or some fortunate event like that, not really useful.



3.我如何付这个credit card账单阿?去哪里付?

online banking of any major bank,
or go to and HBC chain store, pay by cash at customer service,
or go to any bank and pay at the teller
 
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