Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to understand the application of penalty fees under the credit card act (usa ) [title] Understand what the new rules mean for your card usage. [step] Penalty fees are capped or constrained under the new rules, to prevent excessive charges from being passed on to you. Penalty fees include late and.

Ending1: Early termination penalty fees include a period of two months or longer for your deductible. [substeps] Penalty fees are capped or constrained in the same manner as your deductible. Ending2: [substeps] Penalty fees will be capped at $25 for most customers. Penalty fees will not be permitted to be any bigger than the minimum payment due. Ending3: Exceptions include, but are not limited to, any charges which the new rules are limiting. [title] Understand that this will be about three years. Ending4: The penalty for a late use of the credit card is higher at the lowest level than it would be at the lowest level for a second use. [substeps] Checking a policy is akin to finding the phrase-" my system is still on, but our card activity has tapered to two trade stops per month.

Answer format: ending1/ending2/ending3/ending4