Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to calculate the finance charge on a credit card balance [title] Know what a finance charge is. [step] Credit card terms can be confusing to navigate for many, so understand what a finance charge is and how it affects you. [substeps] A finance charge is what allows credit card companies and lenders to make a profit off of you.

Ending1: It's more or less a fee charged for the use of your credit card. Finance charges on credit cards, mortgages and car loans have ranges that depend on a borrower's credit score. Ending2: A cash charge is when a company brings in a bank statement or a check and debts from the statement of that paycheck. A finance charge is what the bill is, essentially, provided the debtor is a credit card company and not a lenders. Ending3: A credit card charge is an immediate cost of the purchase of your car. When you borrow money from the bank, interest and fees are added together in a charge to make up for the balance, thus reducing your interest payments. Ending4: It is usually under 10% of the amount borrowed to the company unless your credit card company commits a penalty. If you are in a high interest category that allows you to charge interest on your bank statements, choose the " freeze " option to compute a charge.

Answer format: ending1/ending2/ending3/ending4