The columns in this list view display the following information:

Payment Sequence: The order in which payment is spread to promotions on the account. Use the arrow buttons to the left of the list view to adjust a promotion's payment sequence number.

Open Date: The Date the promotion began.

Promotion Description: A brief description of the promotion.

Expiration Date: The Date the promotion expires.

Average Daily Balance: The average daily balance from the last billing cycle, calculated using the following formula: {(LNPBAL X DAYS1) + LNRLAV} ÷ DAYS2 = AVERAGE BALANCE FOR PERIOD, where:

LNPBAL = Principal Balance

DAYS1 = inquiry date minus date of last transaction

LNRLAV = sum of daily card balances up to the date of last transaction

DAYS2 = inquiry date* minus Date of Last Billing

* The system replaces this date with the bill date in the calculation when generating billing statements.

APR: The annual percentage rate for the billing cycle, calculated using the following formula:

(((Monthly Finance Charge/Average Daily Balance) X 12) X 100)

Finance Charge: The amount of interest billed for the billing cycle.

Balance: The balance of the promotion as of the end of the billing cycle.

Payoff Balance: The card's current payoff balance.

Minimum Payment Due: The minimum payment due at the end of the billing cycle.