in order for you not to pay any finance charge you need to make sure is paid off in full before the end of the cycle…for example, if you charge something on the 24th of the month and your cycle end on the 28th you need to make sure you pay before the 28th, because if you pay on the 29th (you jumped to the new cycle with that last charge) you will be charge some interest (one dollar, per say)..just make sure is paid in full between the cycle and shouldn’t be charge a dime. I have merrick as well and it does work like I say, trust me. I have no complaints at all. good luck.
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