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Balances under $10 are due in full.

(i) Identifying statement—(A) Upcoming withdrawal.

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The controversial loans have drawn a lot of scrutiny — and outright bans by Georgia and a few other states — because they often come with high fees and interest rates that can add up to more than 300 percent a year, making it hard for borrowers to pay them off.

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If you always pay on time and don't go over your limit, Barclaycard will review your card, and your APR could drop after a year.

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