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美国入学考试数学题看不懂

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美国入学考试数学题看不懂
Phillip charged $400 worth of goods on his credit card. On his first bill, he was not charged any interest, and he made a payment of $20. He then charged another $18 worth of goods. On his second bill a month later, he was charged 2% interest on his entire unpaid balance. How much interest was Phillip charged on his second bill 这是题目
看了google翻译还是不知道该怎么算,要是不想翻译的就把数学式子列出来就好,让我默默参透
美国入学考试数学题看不懂
Phillip用他的信用卡买了$400的东西,第一个账单日他不付利息,还了$20,又买了$18的东西.在他第二个账单日,他需要承担全部未付余额2%的利息.第二个账单日 他需要付多少利息?