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How is the interest applied to my credit card?

If you repay your statement balance in full each month, you can avoid paying credit card interest on purchases. If you pay anything less than the statement balance, such as the minimum payment, interest will be applied.

We charge interest on all ATM cash advances from the date they're added to your account to the date you pay them off. This will always apply, even if you pay your total outstanding balance in full by the end of next month.