Consider the following case: On Novembes 1, Ginny's credit card has a balance of 57,876.75. According to the terms of the card's lending agreement, an interest rate of 185 per year is assessed and the monthly finance charges are calculated using the Average Daily Balance (ADB) including purchases method. During the month, Ginny expects to make the purchases listed below and will make a payment of $590.76 on November 25 , and has collected the following additional information: Use the following table to help Ginny estimate her monthly interest charge for November. One way by which Ginny can reduce her finance charges, everything else remaining constant, is to: Make smaller payments. Request a lower interest rate on her credit card. Make more, even more expensive purchases