QUESTION 3 Use the sepad balance method to find the finance charge on the credit card account for December The balance at the beginning of the month is 5805 The annual interest rate is 23% The billing date is December 1st. The transactions on the account for the month are given below November 1 Finance charge for November November Charged SS3 November 10 Amazon refund $124 (item not delivered November 13 Charged 5405 airplane tickets) November 22 Chand $219 shopping November 28 Payment $700 The finance charge for November The balance at the end of November The finance charge for December (Round the answers to nearest cent)