The APR is designed to help you understand the total cost of borrowing money, but it does not include all charges that could increase the cost of a loan.

Select all charges that are not included in the APR but could increase the total cost of borrowing money.
Choose all answers that apply:
Choose all answers that apply:
(Choice A) cash advance fee
A
cash advance fee
(Choice B) cash back
B
cash back
(Choice C) late fee
C
late fee
(Choice D) application fee
D
application fee

(Choice A) cash advance fee

(Choice C) late fee
(Choice D) application fee