This $3 charge is likely because it's the minimum interest fee for any given billing cycle that has accrued interest. What probably happened is that you paid your bill off after the end of the last billing cycle say the cycle ended on the 30th and you paid the bill in full on the 1st of the next month, then you have 2…

I agree with you to an extent. I usually bring food from home, however the food is quite expensive (much better for me and tastier than eating out), but I have eaten out in the past, and was easily able to spend less than $5 on a lunch.