Toby Walters is a financial writer, investor, and lifelong learner. He has a passion for analyzing economic and financial data and sharing it with others. Michael Logan is an experienced writer, ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. A finance charge includes interest rates, origination fees, service fees, and late fees.

The adjusted balance is how credit card issuers determine how much interest you owe on your credit card balance after factoring in payments, charges and credits. Adjusted balance gives cardholders ...