Difficulty Understanding CC Charges

[Emma36]

I am having difficulty understanding charges attached to my Avant CC statement. I have not discussed it with the lender yet.

Firstly the finance charge varies considerably month to month - for example I can see a finance charge of €117 during a month when my balance is €5350. In another month, I see a finance charge of just €29 where the balance is almost €7,500. I see a monthly charge of 1.74% referenced on the statement but I can't reconcile that percentage with any of the finance charges I see.

During some months, I have a 'Deferred Finance Charge' appearing that can be as much as the 'Finance Charge' and I don't know what this for. I never pay in full, but I never pay late either. I'm not sure if above seems normal or irregular?

I have a balance of about €3k which I'm looking to pay off in the next 2 months and would like to understand how much interest I'm likely to be charged during that timeframe.

Thanks very much.

 

[vandriver]

The monthly charge would be worked out daily,on the balance each day.
The deferred finance charge is for a purchase that is not paid off in full on the month of purchase.(You then get the interest charged from the day of purchase,so nearly 2 months in one go)