Jacob Snap has a credit card with a previous balance of $678.32. The APR on the card is 12% and periodic finance charges are applied with a monthly rate. During the month of June, he made a $175 purchase on 6/15 and made a payment of $240 on 6/20. 16.) If the card company uses the previous balance method, what is his finance charges (17. If the card company uses the adjusted balance method, what is his finance charge