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10 cards from this deck
Buy now, pay later
Time when no interest charged on purchases
Daily compound interest
Annual rate365\frac{\text{Annual rate}}{365}365Annual rate
FV=PV(1+r)nFV = PV(1 + r)^nFV=PV(1+r)n
Amount owing on card (future value)
Principal (purchases + outstanding balance)
Ledger (tracks spending)
Late fee, interest, credit rating damage
Every year, whether card used or not
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