(3.1) Teddiursa had to go to Next Check Access because they didn't have a credit score. However, Dragonite has a decent credit score and has a credit card that charges 23 percent interest (as an annual rate), with interest compounded daily. This isn't a particularly great interest rate, but it's better than what Next Check Access can offer. Suppose that Dragonite charges $500 to their credit card (the same amount that 9 card allows no payments required (since they just opened the account). At the end of 9 pay periods, Dragonite can pay off the entire credit card balance by paying dollars, thus a total of dollars of interest was paid to the credit card company. (3.2) Though Teddiursa and Dragonite borrowed the same amount of mony ( 500 dollars) for the same amount of time (9 pay periods), Teddiursa paid more dollars of interest than Dragonite did. (3.1) Teddiursa had to go to Next Check Access because they didn't have a credit score. However, Dragonite has a decent credit score and has a credit card that charges 23 percent interest (as an annual rate), with interest compounded daily. This isn't a particularly great interest rate, but it's better than what Next Check Access can offer. Suppose that Dragonite charges $500 to their credit card (the same amount that 9 card allows no payments required (since they just opened the account). At the end of 9 pay periods, Dragonite can pay off the entire credit card balance by paying dollars, thus a total of dollars of interest was paid to the credit card company. (3.2) Though Teddiursa and Dragonite borrowed the same amount of mony ( 500 dollars) for the same amount of time (9 pay periods), Teddiursa paid more dollars of interest than Dragonite did