If you failed to pay the minimum payment by the due date and are now being charged the penalty APR of 28.99%, your monthly interest charge on a balance of $1800 would be approximately $518.82. This is calculated as follows:
However, it is important to note that this calculation is an estimate and the actual amount of interest you would owe in one month could be different, depending on factors such as the number of days in the billing period and the daily interest rate. It is also worth noting that you were charged $6.31 in interest for purchases, which is separate from the interest charged on your unpaid balance.
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