: Can you explain how the late fees and interest were calculated? It say my account is only 6 days overdue.
Layla: You receive a late fee if your payment is not made before 5:00 p.m. est. on your due date. Your interest is calculated by your APR daily.
: What is my daily APR? Can you write out the calculations given my actual balances?
Layla: You can
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