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An unpaid credit card bill for $656.95 had a due date of May 8. Purchases of $315 were made on May 15, $122.78 on May 17, and $59.67 was charged on June 2. A payment of $340 was made on May 25. Find the finance charge due on June 8 if the interest rate on the average daily balance is 1.8%. (See Example 2 in this section.)

User Roizpi
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1 Answer

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If the interest rate on the average daily balance is 1.8%, the finance charge due on June 8 is $595.45.

The average daily balance method is based on the card's outstanding balances on each day of the billing period.

To compute the finance charge, the average daily balance is multiplied by the card's daily periodic rate and by the number of days in the billing period.

May 8, Balance Due = $656.95

May 15 Purchases $315

May 17 Purchases $122.78

May 25 Payment $340

June 2 Purchases $59.67

Finance Charge:

May 8 - 14 = $82.78 ($656.95 x 1.8% x 7 days)

May 15 - 16 = $37.97 ($656.95 + $82.78 + $315 x 1.8% x 2 days)

May 17 - 24 = $157.35 ($1,092.70 x 1.8% x 8 days)

May 25 - June 1 = $180.00 ($1,092.70 + $157.35 x 1.8% x 8 days)

June 2 - June 8 = $137.35 ($1,430.05 - $340 x 1.8% x 7 days)

Total finance charge = $595.45

User Pyjavo
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