Calculateur de Solde Quotidien Moyen
Questions Fréquentes
Questions courantes sur Calculateur de Solde Quotidien Moyen
C'est la façon la plus courante pour les émetteurs de cartes de calculer les frais financiers. Chaque jour, la carte suit votre solde après les achats et les paiements. La moyenne de ces soldes quotidiens est multipliée par le taux périodique quotidien (TAP ÷ 365) et le nombre de jours dans le cycle de facturation pour déterminer les intérêts dus.
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Sources & References
Credit Card Interest Calculation Methods
Most credit cards use the Average Daily Balance method. Alternatives include Adjusted Balance (rare, most favorable) and Previous Balance (rare, least favorable). Federal law requires disclosure of the calculation method.
Grace Period Rules
Credit cards typically offer a 21-25 day grace period on new purchases IF you pay the previous statement balance in full. Carrying any balance eliminates the grace period, and all purchases accrue interest immediately.
Daily Compounding Adds Up Fast
Credit card interest compounds daily, meaning you pay interest on interest. At 18% APR, $5,000 in debt costs $2.47/day initially, but this grows as interest is added to principal. This is why balances grow despite making minimum payments.
⚠️ Daily Compounding Adds Up Fast