Consider the following case: On March 1, Darnell's credit card has a balance of $4,501.00. According to the terms of the card's lending agreement, an interest rate of 12% per year is assessed and the monthly finance charges are calculated using the Average Daily Balance (ADB) including purchases method. During the month, Darnell expects to make the purchases listed below and will make a payment of $337.58 on March 23, and has collected the following additional information: Date March 6 March 12 March 20 March 27 1,160.16 Purchases $391.25 43.8 46.9 Additional Information Monthly interest rate 1.00% Beginning card balance $4,501.00 Days in the month 31 Days in the month: 31 Use the following table to help Darnell estimate his monthly interest charge for March. Number of Days Daily Balance $4,501.00 Dates 3/2 - 3/6 3/7-3/12 3/13-3/20 3/21-3/23 3/24-3/27 3/283/1 Total Average Daily Balance With Purchases Finance Charge 5 6 8 3 4 5 31 Calculated Value $ $ $ One way by which Darnell can increase his finance charges, everything else remaining constant, is to: Make larger or more frequent payments. Make fewer, less expensive purchases. Buy a larger number of more expensive items using your card