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In addition to providing dollar amounts and percentages for fees and interest rates associated with a credit card, the terms and conditions also describe how the credit card company will calculate your balance, meaning whether they will be using the daily balance including current transactions method, for example.
The terms and conditions document also explains what actions will trigger the penalty APR, such as missing the minimum payment deadline. And it describes how the company will apply payments to your account, including options such as applying payments to your lowest APR balances first, up to the minimum payment due, then applying payments to the highest APR balance.