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A bank customer owed about $4500 on his credit card. When he paid, he was mistakenly short by $68. The bank charged about $32 in interest, a 47% fee for being about three weeks late. The customer protested, using his frostiest voice to make it clear he was unhappy. The bank cancelled the charge. He told the person on the other end of the phone to calculate the annual rate, which he estimated to be about 800%. Another customer in a similar situation merely threatened to cancel the card and go elsewhere. His charge was also cancelled.