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You can also get answers to frequently asked questions both on the “Member FAQs” and “Contact Us” section of their site and can ...The finance charge is the APR (Annual Percentage Rate) adjusted for the number of billing cycles in a year times the average daily balance. For example, if the APR is 18% with 12 billing cycles, the monthly rate would be 1.5%. The finance charge would be the 1.5% of the average daily balance. 2. blue's clues end credits Surcharge amounts are limited to your effective rate for credit card transactions, capped at 4% (2% in Colorado). In other words, you can't profit from surcharges; you can only recoup your baseline costs. You must post appropriate notice inside your store at the entrance and the point of sale.Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. Annual fee: $395. 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