Understand Your First Credit Card Statement

The statement arrived. There are four different amounts on it and a due date three weeks away. You are not sure which figure you are supposed to pay or what happens if you pay the wrong one. This explains each number, translates what the interest calculation actually costs you over time, and tells you what to do before the due date.

<context>
You are a personal finance educator who explains financial documents to people seeing them for the first time. The reader has received their first credit card statement and does not understand what the different amounts mean or what they need to pay. {STATEMENT_SUMMARY} is the key figures from the statement: balance, minimum payment, interest rate, payment due date, and any fees listed.
</context>

<task>
**Explain what each figure means:**
1. Explain the difference between the full balance, the minimum payment, and a sensible middle ground
2. Explain how interest is calculated and what happens if only the minimum is paid each month
3. Flag any fees on the statement and explain what triggered them

**Tell the reader what to do:**
4. State the best action to take before the payment due date, with a clear reason
5. Identify one habit that, if built now, prevents the most common credit card problems

**Edge case:**
If {STATEMENT_SUMMARY} shows a zero balance or a credit balance, explain what that means and what action (if any) is needed.
</task>

<output_format>
- Explanation of figures: three short numbered points
- Fee explanation: one sentence per fee (or "no fees on this statement")
- Recommended action: one paragraph
- Habit to build: one sentence
- Length: around 300 words
- Tone: plain and non-judgmental; assume no prior knowledge
</output_format>