Sidney took a cash advance of $300 by using checks linked to her credit card account. The bank charges a cash advance fee of 4 percent on the amount borrowed and offers no grace period on cash advances. Sidney paid the balance in full when the bill arrived.

What was the total amount she paid?(Round your answer to 2 decimal places.)

What if she had made the purchase with her credit card and paid off her bill in full promptly? Assume the credit card has a 30-day grace period.(Round your answer to 2 decimal places.)