Why Are Credit Card Bills So Incomprehensible?

Attention Holiday Shoppers: Even a Marketing Professor Has Trouble Figuring Out the Optimal Amount to Pay

As we head into the holidays, chances are you’ll be using your credit card a lot more than normal. Americans love their plastic—but not the monthly bills that come with.

The most important thing to figure out from a credit card bill is how much you should be sending in payment. You should always try to pay the full bill, but if you can’t, you’re probably going to have trouble figuring out the optimal amount to pay.

On a recent day, I ripped open my bill to find that I had a …