Consider the following case: On March 1, Van's credit card has a balance of $7,876.75. 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, Van expects to make the purchases listed below and will make a payment of $590.76 on March 23 , and has collected the following additional information: Use the following table to help Van estimate his monthly interest charge for March. One way by which Van carr reduce his finance charges, everything else remaining constant, is to: Make smaller payments. Request a lower interest rate on his credit card. Make more, even more expensive purchases