Yes, of course the holder does pay that 3% fee if the payment is late, as mentioned. It can be substantial as the card has no spending limit and the best way to deal with it is to not pay late. Looks like you've checked my work and I got it right - can I please have an elephant stamp or a smiley face TB. Please? I'm feeling quite edgy with all these people around me saying that I post BS all the time and exaggerate and I reckon I am deserving of at least something
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Yes, of course the holder does pay that 3% fee if the payment is...
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