On October 1st Joe charged $900 to his credit card, on October 10th he charged another $1,300 to his credit card, and on October 15th he charged an additional $100- His credit card charges him an Annual Percentage Rate (APR) of 18% compounded monthly- Using the Average Daily Balance Method calculate Joe's finance charge for the month of October.

Wise ways to use a Credit card are:
Pay off your balance every month. 
Use the card for needs, not wants.
Never skip a payment. 
Use the credit card as a budgeting tool. 
Use a rewards card.
Stay under 30% of your total credit limit.