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Discussion in 'Credit Talk' started by Matt, Apr 8, 2000.
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Typically finance charges are computed and imposed on the final day of the billing cycle based on the average daily balance of the account. You apparently have no grace period on this account.
Creditors are not permitted to compound finance charges on a daily basis. In fact they used to be prohibited from compuding finances charges from one billing cycle to another (if you skipped a payment or if they offered you a 'payment holiday'). Unfortunately Congress (not sure of which law, but I think it was most recent FCRA 'reform') has allowed them to start doing this.
So if you miss a payment you get slammed with the late fee, the finance charge for the period in which you were late and then the finance charge on the late fee and finance charge on the old finance charge. What a racket, eh?