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One of my credit cards adds the finance charge as a charge
They calculate the finance charge then add it to my account as a charge (i.e. purchase) then charge on the new balance. I haven't purchased anything on this account in a few years but the balance keeps going up because of this. Even though I make all my payments and try to pay a little extra, the balance keeps going higher and higher because they're charging interest on the finance charge and adding it to my balance. I've never seen this done before. On my other cards, I am only charged for what I buy. A percentage goes to interest and a percentage goes to the balance.

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