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Adjusted Balance. This is usually the most advantageous
method for card holders. Your balance is determined by
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Previous Balance . This is the amount you owed at the end of
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Two-cycle Balances . Issuers sometimes use various methods
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month, the annual fee and other charges may be more important
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for purchases. However, if you use the cash advance feature,
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Refunds of Credit Balances . When you make a return or pay
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