On August 1 , Kenji's credit card has a balance of $3,375.75. According to the terms of the card's lending agreement, an interest rate of 14% per year is assessed and the monthly finance charges are calculated using the Average Daily Balance (ADB) including purchases method. During the month, Kenji expects to make the purchases listed below and will make a payment of $253.18 on August 23 , and has collected the following additional information: Use the following table to help Kenji estimate his monthly interest charge for August. One way by which Kenji can 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