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The average daily balance of your account is used to calculate the interest that is payable if you do not pay off your account in full. It is calculated by adding up the outstanding balance on your account each day and dividing by the number of days in the month. The sooner you make a payment to your account, the lower your average daily balance will be and the less interest you will pay.

Please note that if all of your balance is subject to a promotional 0% interest rate you won't incur interest charges for the period of the offer, providing you make the minimum payment each month.

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