my terms:(1) if a plus "+" or a minus "-" appears on the line for any transaction type in the "Charge Summary" column of this {myspace.com} profile statement, the annual percentage rate is "fixed", if a plus "+" or a minus "-" does not appear on this profile for any transaction type, the annual percentage rate varies. (2) I treat a credit balance as a balance of zero (***the annual fee, the credit life fee, and secure credit program, if applicable, and in certain circumstances, the over limit fee, are not included in the daily balance calculation until the first day of the next billing cycle). I add the amount calculated in accordance with (A)(1) above to the daily balance and this amount becomes the beginning balance for the next day.
