Adriana's credit card has an APR of 12.5 for purchases and 21 for cash advances. The company uses the average daily balance method with a daily periodic rate for purchases and cash advances. They also charge an additional cash advance fee of 55 per transaction. In a 30-day billing cycle, Adriana has an average daily balance of 423.92. She took a cash advance of 350.00 during the cycle and must pay finance charges for 23 days. What are her total finance charges?
Question 2
The credit card statement of Hayden Bolt for February listed these items: 2/1, previous balance, 376.18; 2/5, purchase, 178.66; 2/10, payment, 200.00; and 2/23, purchase, 73.51. The credit card company uses the average daily balance method excluding purchases and a daily periodic rate of 0.000493. Assuming it is not leap year, what is Hayden's finance charge for February and his new balance?
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