Suppose that on January 1 , you have a credit card balance of $720.00. On January 10 , you purchase a new Netflix subscription for $13.00. On January 12 , you return an item to Bath \& Body Works for a credit of $31.50. On January 22 , you make a payment of $400.00. On January 25 , you make a purchase at Walmart of $85.00 . The annual interest rate on your credit card is 0.24 . Calculate the finance charge for January that will appear on the next month's statement, using the average daily balance method. Round your answer to the nearest cent