Payment date that is due Finance fees will likely be levied in the shutting balance till the re re payment date.
Then Finance charges will be levied on the closing balance till the payment date if the Cardholder makes partial or no payment of Total amount due(TAD) before Payment due date (PDD); i.e. the Customer has outstanding balance from previous months and in the current month, full payment of Total amount due is made before Payment due date.
Assuming no past stability carried ahead through the second December 2015 declaration, the cardholder are certain to get their second Jan declaration showing Rs. 1100 transactions, Total amound due of Rs. 1100.