UUSI LUJ Credit terms. As manager of Fly-by-Night Airlines, you decide to allow customers 90 days to pay their bus Ton e ry yet though you woteto reduce their bits by 14% they pay within the first 31 days. At what implied effective interest rate are you looring money to your customer? What you extend the discount to 95 days and allow full payment up to 180 days? At what implied effective annual interest rate are you loaning money to your customers? % (Round to two decimal places)