question stringlengths 37 1.47k | ground_truth unknown | output_units stringclasses 10
values | input_units dict | steps listlengths 1 27 | program listlengths 1 27 | question_tense stringclasses 2
values | financial_terms listlengths 1 16 | credit_card stringclasses 27
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Let's say the cardholder takes out $2500 cash advance on the cardholder's credit card, which has a 24.99% APR compounded monthly and a 5% cash advance fee. If the cardholder plans to pay $300 per month toward this debt, how long will it take to pay off the balance? | 10 | month | {
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If the cardholder withdraw $3500 using a credit card cash advance which has a 29.99% APR compounded monthly, and a 5% cash advance fee, how long will it take the cardholder to repay the debt if the cardholder decides to pay $250 per month towards the balance? | 19 | month | {
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The cardholder has a Bank of America World Elite Mastercard credit card with a starting Penalty APR of 1%, and the APR increases by 15% of its current value each month. How many months will it take for the APR to reach or exceed the maximum Penalty APR of 29.99%? | 25 | month | {
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The cardholder has a utility bill due with a minimum payment requirement of $75 on the cardholder's Bank of America World Elite Mastercard. If the cardholder's current balance is $98, will there be a late fee added to the cardholder's bill? | "TRUE" | binary | {
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If I have a balance of $92.5 in my balance will I incur a late fee on my Bank of America World Elite Mastercard? | "TRUE" | binary | {
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If I have a balence of 107$ in my balence will I incur a late fee on my Bank of America World Elite Mastercard? | "TRUE" | binary | {
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The cardholder needs $300 in cash immediately and decide to use the cardholder's Bank of America World Elite Mastercard card for a Same-Day Online Cash Advance, which charges a 5% fee and has a cash advance APR of 28.74%. If the cardholder does not pay the full balance immediately, what percentage of the total amount o... | 4.65 | % | {
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The cardholder uses a check to cash advance $800 from the cardholder's Bank of America World Elite Mastercard credit card, which charges a Check Cash Advance fee of 5% of the transaction. The cash advance APR is 28.74%. If the cardholder does not pay the full balance immediately, what percentage of the total amount owe... | 4.65 | % | {
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The cardholder wants to make a balance transfer of $500 from the cardholder's credit card, which charges a Balance Transfer Fee of 3% of the transaction. The cardholder's minimum payment is $25. Will the cardholder's next minimum payment be bigger than the fees the cardholder paid for the transfer? | "TRUE" | binary | {
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If the cardholder transfers $2,000 in debt to the cardholder's card and the APR is 22% and the cardholder pays off the debt in 2 months, how much will the cardholder pays in total, including interest on the cardholder's Bank of America World Elite Mastercard? | 2073.33 | $ | {
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If the APR for cash advances is 28.74% and the cardholder takes a same-day online cash advance of $500, what percentage of the balance would the interest represent after one month, assuming monthly compounding on a Bank of America World Elite Mastercard? | 2.4 | % | {
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I have two outstanding loans: one of $200 and one of $300. Because I’m very poor at paying back my credit card company, they charge me the maximum APR. If I make $20 payments per month on the $200 loan and $15 per month on the $300 loan, how much total interest will I pay on both loans over the repayment period? Assume... | 153.57 | $ | {
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"I withdrew $1000 from my credit card using an ATM. Assuming I am charged the minimum Cash Advance APR, and that all fees and interest are added at the end of each 30-day billing cycle, will I be able to pay it off in one year if I make $100 payments each month? check the question and give me the script"? | "TRUE" | binary | {
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If I have 2000 dollars of balance on my credit card account and I pay it off 400 dollars a month will I accumluate over 200 dollars of interest? | "FALSE" | binary | {
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If I tranfer a debt of $281 to this card at the start of the month, will I be able to pay off the balance at $5 per month? Assume that I will pay the upper bound of APR specified in the credit card agreement? | "TRUE" | binary | {
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How many days can I leave my $500 cash advance unpaid before it exceeds $75 in interest? Assume that I will pay the upper bound of DPR specified in the credit card agreement? | 110 | day | {
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If my purchase has accumulated an interest of just above 20.49%, has it been left unpaid for more than a year? Assume that I will pay the lower bound of DPR specified in the credit card agreement? | "TRUE" | binary | {
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Say I have a loan for 5432 dollars. I intend to pay back 500 dollars a month. How much more would I pay in total including interest if I were to have the Max APR that can be applied vs the current APR of 18.49%? Answer as the percent difference between the two? | 7.114094357727724 | % | {
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II spent 250 pounds in the UK using my credit card. How long would it take me to pay off the balance on my credit card at $80 per month? Answer in months. Assume 1 pound is 1.29 dollars. Assume that I will pay the lower bound of APR specified in the credit card agreement? | 5 | month | {
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I made $800 purchase on my credit card and missed my minimum payment. At the end of the 30-day billing cycle, when all penalty fees and interest are added to my account, is the maximum possible new minimum payment at least double the base minimum payment? Assume the new minimum payment is calculated solely based on the... | "FALSE" | binary | {
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"MAXIMUM SELECTION",
"EXPONENTIAL INTEREST CALCULATION",
"CHASE CARD TERMS",
"BALANCE DOUBLING TIME"
] | Starbucks Rewards Visa Signature Agreement.pdf-255606.md |
If I need to make a balance transfer, what is the max number of days I can wait till my interest exceeds 1% of the intital transfer plus the balance transfer fee? Basically, ignore the balance transfer fee. Assume that I will pay the lower bound of DPR specified in the credit card agreement? | 22 | day | {
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"PERCENTAGE-BASED FEE",
"INTEREST THRESHOLD"
] | Starbucks Rewards Visa Signature Agreement.pdf-255606.md |
Is a New Balance of 15 sufficient to avoid interest on purchases if paid by the due date in 10 days? | "TRUE" | categorical | {
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"NEW BALANCE",
"CONDITIONAL FINANCIAL RULE",
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the Minimum Payment over 30 with 1000 balance, 15 interest, and 5 fees? | "FALSE" | categorical | {
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{
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the APR for Cash Advances capped at the Maximum APR if the Prime Rate is 8.50? | "FALSE" | categorical | {
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] | [
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the APR for Purchases less than the Maximum APR if the Prime Rate is 8.50? | "TRUE" | categorical | {
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] | [
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
If the Prime Rate exceeds 20, is the APR for Balance Transfers above the Maximum APR? | "FALSE" | categorical | {
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] | [
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] | THIRD | [
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the cardholder's Available Credit sufficient for a 1200 purchase if the cardholder's Credit Limit is 5000 and the cardholder's current balance is 4000? | "FALSE" | categorical | {
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] | [
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"CHASE CARD TERMS"
] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is it true that the cardholder has 25 days to pay if the cardholder's Statement Closing Date is March 1, 2025? | "TRUE" | categorical | {
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the Purchases APR below the Maximum APR at Prime Rate 8.50? | "TRUE" | categorical | {
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] | [
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the margin for Cash Advances 20.74? | "TRUE" | categorical | {
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"operator": "i... | [
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"CASH ADVANCE",
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] | The Private Bank By Invitation Visa Signature® Card Account Agreement-255549.md |
Is the max reimbursement for arbitration filing fee 700? | "TRUE" | categorical | {
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I take out $3,000 cash advance with an APR for Cash Advances of 29.24%. If I make only the minimum monthly payment of $150, will I be able to pay off the full balance within 24 months? | "FALSE" | binary | {
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A $600 cash advance is taken from an ATM. The fee is the greater of $10 or 5%. The customer plans to repay $50 daily. If the APR is 29.99% (DPR: 0.0008219), and interest compounds daily, how many days will it take to fully pay off the balance? | 13 | day | {
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I transfer $5,000 balance to a new credit card with an APR for Balance Transfer of 19.24%. If I make only the minimum monthly payment of $200, will I be able to pay off the full balance within 24 months? | "FALSE" | binary | {
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A credit card has $4,500 balance and an APR of 18.99%. The minimum payment is the greater of $40 or 1% of the balance, rounded to the next dollar. If only the minimum payment is made each month, how many months will it take to pay off the full balance? | "Never" | categorical | {
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"I win a game show and have to choose between: Option A: Taking $1,000 cash advance from an ATM with a 25% APR (compounded daily) and a Cash Advance ATM Fee of $10 or 5%, OR Option B: Accepting $900 in free cash with no conditions. What option should I select?"? | "Option B" | categorical | {
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A customer has $4,500 credit limit and a current balance of $2,500. They use their credit card for $1,200 cash equivalent transaction, which incurs $60 advance fee (5%). The total amount is added to their balance. They plan to pay $350 per month until the balance is fully repaid. How many months will it take for their ... | 12.663589338589164 | month | {
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A customer has $7,000 credit limit and a current balance of $3,000. A $2,500 balance transfer incurs $75 fee (3%) and is added to the balance. If $600 is paid monthly, how many months will it take for the full credit limit to become available again? | 10.704884669 | month | {
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A customer with $5,500 credit limit and $2,000 balance uses $1,800 convenience check. A 3% fee of $54 is added to the balance. If $500 is paid each month, how many months will it take for the full credit limit to become available again? | 8.662203268223218 | month | {
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A $3,000 balance is transferred to a credit card with a DPR of 0.052712%. If $250 is paid monthly and assuming no additional charges are made, how many months will it take to fully repay the balance? | 13.424218264 | month | {
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If a customer increases their monthly payment from the minimum required to double that amount, how many months will they save on $2,000 balance? | 20 | month | {
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If a customer withdraws cash every day of the week for one week from a financial institution using their USBNA visa credit card, how many days will it take to be charged more than $15 in fees? | 0 | day | {
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A customer carries a balance of $1,750. If he carries it for 180 days, will he accumulate more than $600 in interest? | "FALSE" | binary | {
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If I get a returned payment fee 2 months in a row, assuming I am charged to maximum of $35, will I have exceeded the $100 threshold in returned payment fees? | "FALSE" | binary | {
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A retailer offers a "Protection" program where disputes of purchases below $100 get automatically refunded whereas purchases of 100$ and above will require additional verification. If a customer disputes a 79$ purchase, will they get an automatic refund? | "TRUE" | binary | {
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A financial institution introduces a new rule where, if a customer takes out more than 3 financial institution cash advance in a 30-day period, the fee is bumped up to 1% of the cash advance. If a customer has already taken 2 cash advances and plans on taking 3 others in the next 15 days, how many of those cash advance... | "2 cash advances" | categorical | {
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If a customer plans on paying off their $4,000 balance within 10 months to avoid more than $300 in interest, are they going to need to increase their monthly payment beyond the minimum requirement? | "TRUE" | binary | {
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Will the APR for balance transfer exceed the 18% threshhold if the prime rate increases to 9%, when it is set as Prime + 7%? | "FALSE" | binary | {
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Will a transfer balance accumulate more than $210 if it's $3,150 for 12 months? | "TRUE" | binary | {
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A credit card issuer sets its minimum purchase amount for dispute at $100. A customer makes a purchase overseas of 98$. If the foreign transaction fee of 3% is included in the purchase, will the customer be able to dispute the transaction? | "TRUE" | binary | {
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How many more months does it take for an armed forces member to accrue $600 in interest on $1,000 balance using the maximum allowed APR for armed forces compared to a standard 45% APR? (Assume daily compounding and each month is 31 days)? | 4 | month | {
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If the Applied Index Value is 8.50% and the minimum margin/offset for Cash Advances is applied, how many years have passed if the interest accrued equals 146.2% of the original balance, assuming daily compounding? (Round to the next highest year)? | 4 | year | {
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A cardholder has a choice between this card with maximum APR for Purchases (Card A), a card that has a fixed interest of $400 per year (Card B), and a card with 20% APR for Purchases (Card C). Given the cardholder spends $16000 per year, which card is the cheapest? | "card b" | categorical | {
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If a cardholder makes a purchase on March 3rd for $100, and the prime rate is 10%, how many years will pass before they owe $160 using the daily compounding method in the agreement? | 4 | year | {
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A cardholder had $3000 on his credit card which he transferred at some point. He now checks his account and he has $4740 balance owed. Given that he has not made any purchases since he made his balance transfer, he believes his balance to be due to the APR for Balance Transfers (he has the maximum defined APR for Balan... | 2 | year | {
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According to the range for APR for Balance Transfers in the agreement, what is the most amount of years that it will take for a person to gain $40 interest on $120 balance transfer? (Using the daily compounding as specified in the agreement)? | 3 | year | {
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If a cardholder's Prime Rate is 14.76%, and their APR for Purchases is Prime + 5.24% to 29.99% (limit between 13.74% to 29.99%), how many years have passed after they had an account balance of $1000 and charged $800 in interest using daily compounding? | 3 | year | {
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Given the maximum APR for Balance Transfers, how many years does it take to gather at least 91% interest on $400 using daily compounding as specified in the agreement? | 3 | year | {
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A cardholder makes a purchase of $34000 on their credit card and leaves it unpaid for some years. With a 23.5% APR for Purchases per year compounded daily as specified in the agreement, how many years passed for them to accrue interest equal to 47% of the original balance? | 2 | year | {
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"PERCENTAGE-BASED FEE",
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] | US_Bank_Visa_Signature_and_World_Mastercard_Accounts.md |
If a cardholder is a dependent of an armed forces member, how many months will it take for them to accrue $300 in interest on $5000 balance in the worst case scenario (highest interest)? | 2 | month | {
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A customer has an outstanding balance of $1000 and missed their first payment. What is the minimum payment due the next month if the customer does not payoff the payment for the rest of the month and also does not buy anything else? The penalty APR is 29.99%, the purchase APR is 15%, and this is a new card. Assume the ... | 88.05 | $ | {
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A customer takes out a cash advance of $500 at an APR of 15.5%. If they don't make any payments, how long will it take for the interest owed to be over $100? Assume the interest is compounded daily and that there are on avereage 30 days per month. Round up to the next whole number of months? | 15 | month | {
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A user makes a purchase using the card of $500 and hasn't made any payments to decrease the balance. The daily compounding interest owed by the customer has accumulated to approximatly $41 and the purchase APR is 16%, how many months has it been since the purchase was made? Round to the nearest whole number of months a... | 6 | month | {
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A customer has taken out $100 on a chase plan loan and hasn't made any payments to decrease the balance. The daily compounding interest has accumulated to $3.78 and the purchase APR is 16%, how many months has it been since the purchase was made? Round to the nearest whole number number of months assuming that there ar... | 3 | month | {
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If the daily compounding interest owed on a chase plan loan of $1000 at an APR of 15.25% has accumulated to $237.26, how many years has the balance been outstanding? Round the answer in years to one digit after the decimal point? | 1.4 | year | {
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If the interest owed on a cash advance of $2000 resulting from a balance transfer at an APR of 25% has accumulated to $906.25, how long has the balance been outstanding? Give the answer in years rounded to one place after the decimal while assuming that the interest compounds daily? | 1.5 | year | {
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If the daily compounding interest owed on a purchase balance of $1000 at a purchase APR of 20% has accumulated to $440, how long (in years) has the balance been outstanding? Round to 2 decimal places? | 1.82 | year | {
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A user takes out a my chase plan loan of $2200 and hasn't made any payments to decrease the balance. The daily compounding interest has accumulated to $90.51 and the purchase APR is 17.5%, how many months has it been since the purchase was made? Round the answer to the nearest whole number of months. Assume there are 3... | 3 | month | {
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A customer takes out $1000 My Chase Plan Loan with an APR of 20% that they plan to repay over 6 months in equal payments. Assume that the interest is compounded daily and that there are on average 30 days per month. What should each monthly payment be? Round up the answer to the next whole number of dollars? | 177 | $ | {
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Assume the Visa Mastercard Platinum card offers two tiers for the holder's APR for Purchase dependent on their credit score. For those who are labeled 'great', they have a credit score of 650 and above with a 17.99% APR for purchases. Those who are labeled 'normal' are 649 and below with a 29.24% APR. If I make $900 pa... | 98 | day | {
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A Visa Mastercard Platinum check cash advance is taken at 29.24% APR and another at 19.99% APR, both with $5,000 balance for 2 years. How much more interest will be paid at the higher rate? Assume interest is compounded monthly despite what the document says and ignore any cash advance fee as if they are waived? | 1477.36 | $ | {
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"If the cardholder missed a payment 7 months ago and miss another one today, with a Minimum Payment Due of $45, what will the late fee be? Prioritive the information given in this question over the information given in the document. Context: Late fee is $30 for the first late payment. Late fee is $40 if there is anothe... | 30 | $ | {
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A bank assigns direct deposit fee categories based on direct deposit amounts per month: "Small": Deposits less than $5,000 "Medium": Deposits between $5,000 and $20,000 "High": Deposits more than $20,000 I direct deposit $15,000 per month. What category does this fall into? | "Medium" | categorical | {
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"A cardholder made a wire transfer of $10,000 and will be charged a wire transfer fee of 5% of the transfer amount on top of the $10,000. Hypothetically, if the transfer amount has interest applied at an annual interest rate of 5% compounded yearly, how long will it take for the initial amount to double from the origin... | 14.2066990829 | year | {
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If the Prime Rate rises to 10.50%, will the highest possible Visa Mastercard Platinum check cash advance APR exceed the absolute cap of 29.24%? | "FALSE" | binary | {
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Using the Visa Mastercard Platinum Card, I have $1,500 balance that I forgot to pay. As a result, a penalty APR imposed by the company of 27.99% is incurred. How much would I pay each month if I wanted to pay off the balance in 10 months of equal payments? | 169.91 | $ | {
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Using the Visa Mastercard Platinum Card's specified APR for Balance Transfers of 26.74%, assume there is a special promotion on this card that offers 0% APR on balance transfers for 16 months, after which the APR rate applies. If I transfer $4,500 to this card and make $250 monthly fixed payments, will I have paid off ... | "FALSE" | binary | {
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A customer makes only the minimum payment each month on $3000 balance. If their interest rate is 26.24% APR, will they pay off the balance in less than 2 years? | "FALSE" | binary | {
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A customer has $800 with an 29.64% (Purchase APR). They made $50 minimum payment but they are 30 (Days Late). After the payment, their balance is $750. How much will be charged as interest if APR is calculated daily and the daily rate is compounded monthly? | 21 | $ | {
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A customer has a purchase amount of $1200 with an APR of 25.4%. They made $100 minimum payment but are 45 days late. After the payment, their balance is $1100. How much will be charged as interest if the APR is calculated on a daily basis and the daily rate is compounded monthly? | 39 | $ | {
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A customer makes a foreign transaction fee of $500 with a 3% per month, how many months will it take to pay off the balance including the fee and the interest? | 6 | month | {
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A customer has two outstanding cash advances: $7000 bank cash advance with an APR of 29.24% and $5000 ATM cash advance with an APR of 26.24%. If the customer makes $3000 payment after 30 days, how much remains on the higher APR balance? | 4000 | $ | {
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If a customer pays the full balance before the due date during the grace period, will they be charged interest? | "FALSE" | binary | {
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{
"operator": "and",
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"arg_2": "TRUE",
"resp": "TRUE"
},
{
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"arg_2": "FALSE",
"arg_3": "TRUE",
"resp": "FALSE"
}
] | [
"and(TRUE, TRUE)",
"if(#0, FALSE, TRUE)"
] | THIRD | [
"ACCOUNT BALANCE",
"GRACE PERIOD",
"PAYMENT DUE DATE",
"PAYMENT DUE DATE CALCULATION",
"CONDITIONAL FINANCIAL RULE"
] | Visa_Mastercard_Secured_English-290258.md |
A customer transfers $4000 to a new card with a 0% introductory APR for 12 months. If the APR after 12 months is 26.24%, how much interest will they pay if they don’t pay off the balance and hold it for 30 days after the promo period? | 86.3 | $ | {
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"total": {
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"month": 1,
"day": 1,
"y... | [
{
"operator": "divide",
"arg_1": "26.24",
"arg_2": "100",
"resp": 0.2624
},
{
"operator": "divide",
"arg_1": "#0",
"arg_2": "365",
"resp": 0.0007191781
},
{
"operator": "multiply",
"arg_1": "4000",
"arg_2": "#1",
"resp": 2.8767123999999997
},
{
"operat... | [
"divide(26.24, 100)",
"divide(#0, 365)",
"multiply(4000, #1)",
"multiply(#2, 30)"
] | THIRD | [
"BALANCE TRANSFER APR",
"ACCOUNT BALANCE",
"PAYOFF TIME",
"THIRTY-DAY INTEREST",
"BALANCE PAYOFF",
"365-DAY RATE BASIS"
] | Visa_Mastercard_Secured_English-290258.md |
Assume, hypothetically that the Well Fargo Autograph Journey card offers two tiers for the holder's APR for Purchase depending on their credit score. For those who are labeled 'great', they have a credit score 700 and above with a 15.99% APR for purchases. Those that are labeled as 'normal' are 699 and below with a 18.... | "Great Credit Score Holder: 229 Day\nNormal Credit Score Holder: 193 Day" | day | {
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"year": 0,
"$": 3,
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},
"total": {
"%": 2,
"month": 0,
"day": 0,
"y... | [
{
"operator": "divide",
"arg_1": 15.99,
"arg_2": 100,
"resp": 0.15990000000000001
},
{
"operator": "divide",
"arg_1": "#0",
"arg_2": 365,
"resp": 0.0004380822
},
{
"operator": "divide",
"arg_1": 18.99,
"arg_2": 100,
"resp": 0.1899
},
{
"operator": "div... | [
"divide(15.99, 100)",
"divide(#0, 365)",
"divide(18.99, 100)",
"divide(#2, 365)",
"subtract(1100, 1000)",
"divide(#4, 1000)",
"divide(#5, #1)",
"divide(#5, #3)",
"ceil(#6, 0)",
"ceil(#7, 0)"
] | THIRD | [
"DAILY PERIODIC RATE",
"PURCHASE APR",
"ACCOUNT BALANCE",
"CREDIT TIER",
"PAYOFF TIME",
"CREDIT-SCORE APR TIER",
"TIERED RATE SCHEDULE",
"TOTAL BALANCE",
"ROUND-UP RULE",
"365-DAY RATE BASIS",
"CHASE CARD TERMS"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
Suppose a bank assigns different APRs for purchases based on credit score. Economy Tier (<= 620 credit score) has 31.75% APR. Preferred Tier (<= 765 credit score) has 23.50% APR. Exclusive Tier (> 765 credit score) has 17.25% APR. If a cardholder with a credit score of 730 wants to know their DPR, what is it? | 0.064383561643835 | % | {
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"day": 0,
"year": 0,
"$": 0,
"binary": 0,
"categorical": 0
},
"total": {
"%": 3,
"month": 0,
"day": 0,
"y... | [
{
"operator": "less_equal",
"arg_1": 730,
"arg_2": 620,
"resp": "FALSE"
},
{
"operator": "less_equal",
"arg_1": 730,
"arg_2": 765,
"resp": "TRUE"
},
{
"operator": "if",
"arg_1": "#0",
"arg_2": 31.75,
"arg_3": {
"operator": "if",
"arg_1": "#1",
... | [
"less_equal(730, 620)",
"less_equal(730, 765)",
"if(#0, 31.75, {'operator': 'if', 'arg_1': '#1', 'arg_2': 23.5, 'arg_3': 17.25})",
"divide(#2, 100)",
"divide(#3, 365)",
"multiply(#4, 100)"
] | THIRD | [
"PROMOTIONAL APR",
"DAILY PERIODIC RATE",
"APR TO DPR CONVERSION",
"PURCHASE APR",
"CREDIT TIER",
"CREDIT-SCORE APR TIER",
"365-DAY RATE BASIS",
"CONDITIONAL FINANCIAL RULE",
"CHASE CARD TERMS",
"ZERO PERCENT PROMOTIONAL APR"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
Suppose Capital One SilverEdge has different late payment policies based on credit score tiers. Tier 1 (<= 625 credit score) has $45 Late Fee for first offense. Tier 2 (<= 760 credit score) has $32 Late Fee for first offense. Tier 3 (> 760 credit score) has $0 Late Fee for first offense. If a cardholder with a credit s... | 32 | $ | {
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"day": 0,
"year": 0,
"$": 3,
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"binary": 0,
"categorical": 1
},
"total": {
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"month": 0,
"day": 0,
"y... | [
{
"operator": "less_equal",
"arg_1": 730,
"arg_2": 625,
"resp": "FALSE"
},
{
"operator": "less_equal",
"arg_1": 730,
"arg_2": 760,
"resp": "TRUE"
},
{
"operator": "if",
"arg_1": "#0",
"arg_2": 45,
"arg_3": 32,
"resp": 32
}
] | [
"less_equal(730, 625)",
"less_equal(730, 760)",
"if(#0, 45, 32)"
] | THIRD | [
"LATE PAYMENT FEE",
"CREDIT TIER",
"FEE CAP",
"FIRST-OCCURRENCE FEE RULE",
"CREDIT-SCORE APR TIER",
"CONDITIONAL FINANCIAL RULE"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
Discover Journey imposes a policy where they request the holder to pay off their $1250 credit line balance at an APR of 21.75%. Assuming the holder pays off $125 a month, how many months will it take to pay off the credit line? | 11.132874671795452 | month | {
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"$": 2,
"binary": 0,
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},
"total": {
"%": 1,
"month": 0,
"day": 0,
"y... | [
{
"operator": "divide",
"arg_1": "0.2175",
"arg_2": "12",
"resp": 0.018125
},
{
"operator": "add",
"arg_1": "1",
"arg_2": "#0",
"resp": 1.018125
},
{
"operator": "ln",
"arg_1": "#1",
"resp": 0.0179627004
},
{
"operator": "multiply",
"arg_1": "0.2175",
... | [
"divide(0.2175, 12)",
"add(1, #0)",
"ln(#1)",
"multiply(0.2175, 1250)",
"divide(#3, 12)",
"subtract(125, #4)",
"divide(125, #5)",
"ln(#6)",
"divide(#7, #2)"
] | THIRD | [
"CREDIT LIMIT",
"PAYOFF TIME",
"BALANCE PAYOFF",
"CREDIT LINE",
"LOGARITHMIC PAYOFF CALCULATION",
"DISCOVER CARD TERMS"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
If a cardholder transfers $3,850 per month, how many months will it take for their total balance transfer fees to exceed $720 with a fee rate of 3.4% and a minimum fee of $10? | 6 | month | {
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"day": 0,
"y... | [
{
"operator": "divide",
"arg_1": 3.4,
"arg_2": 100,
"resp": 0.034
},
{
"operator": "multiply",
"arg_1": 3850,
"arg_2": "#0",
"resp": 130.9
},
{
"operator": "max",
"arg_1": 10,
"arg_2": "#1",
"resp": 130.9
},
{
"operator": "divide",
"arg_1": 720,
... | [
"divide(3.4, 100)",
"multiply(3850, #0)",
"max(10, #1)",
"divide(720, #2)",
"ceil(#3, 0)"
] | THIRD | [
"BALANCE TRANSFER FEE",
"ACCOUNT BALANCE",
"PAYOFF TIME",
"MINIMUM FEE RULE",
"MINIMUM FEE FLOOR",
"MONTHLY PAYMENT",
"TOTAL BALANCE",
"ROUND-UP RULE",
"MAXIMUM SELECTION",
"CUMULATIVE FEE TOTAL",
"MONTHLY FEE",
"BALANCE TRANSFER MINIMUM FEE"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
Assume the cardholder takes a cash advance of $1000. If the cardholder does not make any payments for 30 days, how much will the cardholder owe in total at the end of the month assuming a cash advance apr of 20%? Context: Cash Advance Fee = max(5% of transaction amount, $15)? | 1067.4 | $ | {
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"day": 1,
"year": 0,
"$": 1,
"binary": 0,
"categorical": 0
},
"total": {
"%": 2,
"month": 0,
"day": 1,
"y... | [
{
"operator": "divide",
"arg_1": "5",
"arg_2": "100",
"resp": 0.05
},
{
"operator": "multiply",
"arg_1": "#0",
"arg_2": "1000",
"resp": 50
},
{
"operator": "max",
"arg_1": "#1",
"arg_2": "15",
"resp": 50
},
{
"operator": "add",
"arg_1": "1000",
... | [
"divide(5, 100)",
"multiply(#0, 1000)",
"max(#1, 15)",
"add(1000, #2)",
"divide(20, 36500)",
"add(1, #4)",
"exponent(#5, 30)",
"multiply(#6, #3)",
"round(#7, 2)"
] | THIRD | [
"CASH ADVANCE APR",
"CASH ADVANCE FEE",
"THIRTY-DAY INTEREST",
"ROUNDING RULE",
"365-DAY RATE BASIS",
"MAXIMUM SELECTION",
"EXPONENTIAL INTEREST CALCULATION",
"PERCENTAGE-BASED FEE"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
If the cardholder takes out a Capital One Venture check cash advance at 29.99% APR, how much total interest will accrue on $1,850 advance after 7 months, assuming no payments and other fees or penalties being applied? Give the cardholder answer in dollars rounded to the second place after the decimal point? | 348.25 | $ | {
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"$": 1,
"binary": 0,
"categorical": 0
},
"total": {
"%": 1,
"month": 1,
"day": 0,
"y... | [
{
"operator": "divide",
"arg_1": "29.99",
"arg_2": "100",
"resp": 0.2999
},
{
"operator": "divide",
"arg_1": "#0",
"arg_2": "365",
"resp": 0.0008216438
},
{
"operator": "add",
"arg_1": "1",
"arg_2": "#1",
"resp": 1.0008216438
},
{
"operator": "multiply... | [
"divide(29.99, 100)",
"divide(#0, 365)",
"add(1, #1)",
"multiply(7, 30)",
"exponent(#2, #3)",
"multiply(1850, #4)",
"subtract(#5, 1850)",
"round(#6, 2)"
] | THIRD | [
"CASH ADVANCE APR",
"CASH ADVANCE FEE",
"CONVENIENCE CHECK",
"INTEREST ACCRUAL",
"FEE CAP",
"ROUNDING RULE",
"365-DAY RATE BASIS",
"EXPONENTIAL INTEREST CALCULATION",
"NO-PAYMENT SCENARIO"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
Suppose a bank assigns different APRs for balance transfers based on credit score. Starter Tier (<= 625 credit score) gets 25.75% APR. Plus Tier (<= 780 credit score) gets 18.50% APR. Elite Tier (> 780 credit score) gets 13.75% APR. If a cardholder with a credit score of 745 transfers $6,500 to their credit card, what ... | 18.5 | % | {
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"%": 0,
"month": 0,
"day": 0,
"year": 0,
"$": 0,
"binary": 0,
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},
"from_user": {
"%": 3,
"month": 0,
"day": 0,
"year": 0,
"$": 0,
"binary": 0,
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},
"total": {
"%": 3,
"month": 0,
"day": 0,
"y... | [
{
"operator": "less",
"arg_1": 745,
"arg_2": 625,
"resp": "FALSE"
},
{
"operator": "less",
"arg_1": 745,
"arg_2": 780,
"resp": "TRUE"
},
{
"operator": "if",
"arg_1": "#1",
"arg_2": {
"operator": "if",
"arg_1": "#0",
"arg_2": 25.75,
"arg_3":... | [
"less(745, 625)",
"less(745, 780)",
"if(#1, {'operator': 'if', 'arg_1': '#0', 'arg_2': 25.75, 'arg_3': 18.5}, 13.75)"
] | THIRD | [
"PROMOTIONAL APR",
"BALANCE TRANSFER APR",
"ACCOUNT BALANCE",
"CREDIT TIER",
"CREDIT-SCORE APR TIER",
"CONDITIONAL FINANCIAL RULE",
"ZERO PERCENT PROMOTIONAL APR"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
A bank assigns different APRs for purchases based on credit score. Bronze Tier (<=650 credit score) gets 28.75% APR. Silver Tier (<= 775 credit score) gets 20.50% APR. Gold Tier (> 775 credit score) gets 15.25% APR. If a cardholder with a credit score of 725 makes $4,500 purchase on their credit card, what APR will the... | 20.5 | % | {
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"day": 0,
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"from_user": {
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"year": 0,
"$": 0,
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},
"total": {
"%": 3,
"month": 0,
"day": 0,
"y... | [
{
"operator": "less",
"arg_1": 725,
"arg_2": 650,
"resp": "FALSE"
},
{
"operator": "less",
"arg_1": 725,
"arg_2": 775,
"resp": "TRUE"
},
{
"operator": "if",
"arg_1": "#1",
"arg_2": {
"operator": "if",
"arg_1": "#0",
"arg_2": 28.75,
"arg_3":... | [
"less(725, 650)",
"less(725, 775)",
"if(#1, {'operator': 'if', 'arg_1': '#0', 'arg_2': 28.75, 'arg_3': 20.5}, 15.25)"
] | THIRD | [
"PROMOTIONAL APR",
"PURCHASE APR",
"CREDIT TIER",
"CREDIT-SCORE APR TIER",
"CONDITIONAL FINANCIAL RULE",
"CHASE CARD TERMS",
"ZERO PERCENT PROMOTIONAL APR"
] | Wells Fargo Autograph Journey Visa® Card Agreement-442574.md |
The late fee is capped at the lesser of $35 or the minimum payment amount. If the minimum payment is $25, what late fee will be charged? | 25 | $ | {
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"day": 0,
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"total": {
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"month": 0,
"day": 0,
"y... | [
{
"operator": "min",
"arg_1": "35",
"arg_2": "25",
"resp": 25
}
] | [
"min(35, 25)"
] | THIRD | [
"LATE PAYMENT FEE",
"MINIMUM PAYMENT",
"MINIMUM FEE RULE",
"FEE CAP",
"LESSER-OF FEE RULE",
"MINIMUM PAYMENT FORMULA",
"MINIMUM SELECTION"
] | Wells Fargo Health Advantage Private Label-255546.md |
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