CINXE.COM

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.author-wrap{border-bottom:none;padding-left:0;padding-right:0}@media screen and (min-width:821px){.best-cc-v1-wrapper .author-wrap .authors-container,.generic-widget-2021-wrapper .author-wrap .authors-container{padding:0 0 24px}} </style><div class="author-wrap total_author_2"><div class="authors-container regular-template__container "><div class="author_container primary-author" data-mktp-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/kfranklin/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/02/Kelly-Ann-Franklin-88x88.jpeg" alt="Kelly-Ann Franklin" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/02/Kelly-Ann-Franklin-88x88.jpeg" alt="Kelly-Ann Franklin" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'>Kelly-Ann Franklin</a><span class="author-role">Updates Editor</span></div></div><div class="middle-content">Kelly-Ann Franklin has spent more than two decades in journalism which has helped her build a wide knowledge base of business and personal finance topics. Her goal with editing is to ensure tough topics are distilled down to understandable and relata...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/02/Kelly-Ann-Franklin-88x88.jpeg" alt="Kelly-Ann Franklin" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'>Kelly-Ann Franklin</a><span class="author-role">Updates Editor</span></div></div><div class="middle-content">Kelly-Ann Franklin has spent more than two decades in journalism which has helped her build a wide knowledge base of business and personal finance topics. Her goal with editing is to ensure tough topics are distilled down to understandable and relata...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/kfranklin/" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}' target="_blank">Kelly-Ann Franklin </a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/02/Kelly-Ann-Franklin-88x88.jpeg" alt="Kelly-Ann Franklin" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'>Kelly-Ann Franklin</a><span class="author-role">Updates Editor</span></div></div><div class="middle-content">Kelly-Ann Franklin has spent more than two decades in journalism which has helped her build a wide knowledge base of business and personal finance topics. Her goal with editing is to ensure tough topics are distilled down to understandable and relata...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/02/Kelly-Ann-Franklin-88x88.jpeg" alt="Kelly-Ann Franklin" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'>Kelly-Ann Franklin</a><span class="author-role">Updates Editor</span></div></div><div class="middle-content">Kelly-Ann Franklin has spent more than two decades in journalism which has helped her build a wide knowledge base of business and personal finance topics. Her goal with editing is to ensure tough topics are distilled down to understandable and relata...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Updates Editor </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-mktp-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/terkinssoutham/" class="mobile-disabled-link" data-mktp-link='{"clickText":"Toni Perkins-Southam","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/11/toni-perkins-headshot-contributor-88x88.jpg" alt="Toni Perkins-Southam" width="24px" height="24px"></a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/11/toni-perkins-headshot-contributor-88x88.jpg' alt='Toni Perkins-Southam' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"Toni Perkins-Southam","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'>Toni Perkins-Southam</a><span class="author-role">Lead Editor</span></div></div><div class="middle-content">Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel in...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/11/toni-perkins-headshot-contributor-88x88.jpg' alt='Toni Perkins-Southam' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"Toni Perkins-Southam","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'>Toni Perkins-Southam</a><span class="author-role">Lead Editor</span></div></div><div class="middle-content">Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel in...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Fact Checked</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/terkinssoutham/" data-mktp-link='{"clickText":"Toni Perkins-Southam","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Toni Perkins-Southam</a><div id="authorBylineModalContainer"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/11/toni-perkins-headshot-contributor-88x88.jpg' alt='Toni Perkins-Southam' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"Toni Perkins-Southam","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'>Toni Perkins-Southam</a><span class="author-role">Lead Editor</span></div></div><div class="middle-content">Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel in...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-mktp-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/11/toni-perkins-headshot-contributor-88x88.jpg' alt='Toni Perkins-Southam' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"Toni Perkins-Southam","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'>Toni Perkins-Southam</a><span class="author-role">Lead Editor</span></div></div><div class="middle-content">Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel in...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/terkinssoutham/" target="_blank" data-mktp-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/terkinssoutham\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Lead Editor </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="regular-template__container"></div></div> <div class="article-wrapper spa-article"> <div class="regular-template__container"> <div class="content-wrapper"> <div class="main-content-wrapper"> <div class="main-content-inner-wrapper"> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-mktp-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fcredit-cards%2Fcredit-card-interest-calculator%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-mktp-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fcredit-cards%2Fcredit-card-interest-calculator%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fcredit-cards%2Fcredit-card-interest-calculator%2F&text=Credit+Card+Interest+Calculator" class="article-social-sharing__link article-social-sharing__link--twitter" data-mktp-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fcredit-cards%2Fcredit-card-interest-calculator%2F&text=Credit+Card+Interest+Calculator","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fcredit-cards%2Fcredit-card-interest-calculator%2F&title=Credit+Card+Interest+Calculator" class="article-social-sharing__link article-social-sharing__link--linkedin" data-mktp-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Fcredit-cards%2Fcredit-card-interest-calculator%2F&title=Credit+Card+Interest+Calculator","clickType":"external"}'></span> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <p><span style="font-weight: 400;">Because credit card issuers need contracts to be enforceable, card agreements are often dense and can be difficult to fully understand. Terms regarding interest can be especially difficult to parse since interest is typically expressed as an </span><a href="https://www.forbes.com/advisor/credit-cards/what-is-a-good-apr-for-a-credit-card/"data-mktp-link='{"clickText":"annual percentage rate","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/what-is-a-good-apr-for-a-credit-card\/","clickType":"internal"}'><span style="font-weight: 400;">annual percentage rate</span></a><span style="font-weight: 400;"> (APR) and requires the use of polynomial algebra to calculate. To avoid triggering traumatic memories from math class, use our credit card interest calculator to help you understand how much interest a carried balance will accrue or how much you might owe if you don’t pay your credit card bills on time.</span></p> <div class="fadv-widgets" data-src="https://www.forbes.com/advisor/widgets/embed/credit-card-interest-calculator/" ></div> <h2>How Do I Calculate Credit Card Interest?</h2> <p><span style="font-weight: 400;">To calculate your credit card interest using the average daily balance method, divide your annual percentage rate by 365 to determine the daily interest rate. Every day that you carry a balance, this daily rate applies to the balance from the day before. The higher the APR, the larger the amount of interest accumulated daily.</span></p> <p>Unless you’re calculating interest on a balance transfer or cash advance, the APR used is typically your card’s standard APR and can be found within the <a href="https://www.forbes.com/advisor/credit-cards/what-is-a-schumer-box/"data-mktp-link='{"clickText":"Schumer box","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/what-is-a-schumer-box\/","clickType":"internal"}'>Schumer box</a> section of your cardholder agreement.</p> <div id="cta-builder" class="cta-builder exclude-eds default dark-mode" data-mktp-container='{"componentTitle":"Find The Best Credit Cards For 2025","componentType":"CTA Builder"}'> <div class="cta-builder__wrap " data-mktp-product='{"itemId":"","itemName":"Find The Best Credit Cards For 2025","itemBrand":"","itemCategory":"Credit cards","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'> <div class="left"> <h2 class="cta-builder__title">Find The Best Credit Cards For 2025</h2> <p class="cta-builder__desc">No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.</p> </p></div> <div class="right"> <a href="https://www.forbes.com/advisor/credit-cards/best-credit-cards/" class="cta-builder__btn cta-builder-button" data-nofollow="false" data-component="Default with Blue Background" data-cta-placement="Button Link" style="background-color:#13B698" data-trellis-widget-wrapper-id = "677b547ea2e23" data-mktp-link='{"clickText":"Learn More","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/best-credit-cards\/","clickType":"internal"}' > Learn More </a> </div> </p></div> </p></div> </p> <h2>How Does Credit Card Interest Work?</h2> <p>Credit card interest <a href="https://www.forbes.com/advisor/credit-cards/how-and-when-is-credit-card-interest-charged/" target="_blank" rel="noopener"data-mktp-link='{"clickText":"typically accrues when you carry a balance","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/how-and-when-is-credit-card-interest-charged\/","clickType":"internal"}'>typically accrues when you carry a balance</a> on a card. Paying less than the entire balance before a statement due date means you’ll carry any remaining balance. Interest will accrue on a carried balance. <span style="font-weight: 400;">If you pay off your balance in full by the end of the month or billing period, you won’t accrue interest on purchases.</span></p> <p><span style="font-weight: 400;">Interest is represented by an annual percentage rate or APR. APRs may be fixed or variable depending on whether they’re tied to the prime rate, so the actual rate may change. An APR is annual, but interest compounds daily. </span></p> <p><span style="font-weight: 400;">To find the actual rate applied to your balance on a daily basis, divide the APR by 365 days. This daily rate is applied to your balance every day that the balance remains unpaid, which means your balance will grow exponentially, as each day’s balance will be higher than the day before.</span></p> <p><span style="font-weight: 400;">Usually, card issuers provide a </span><a href="https://www.forbes.com/advisor/credit-cards/how-to-use-your-credit-card-grace-period-to-avoid-paying-interest/"data-mktp-link='{"clickText":"grace period","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/how-to-use-your-credit-card-grace-period-to-avoid-paying-interest\/","clickType":"internal"}'><span style="font-weight: 400;">grace period</span></a><span style="font-weight: 400;"> to help you avoid accruing interest. So long as you pay your bill in full before the end of the billing cycle, you won’t accrue interest on your balance. Though grace periods don’t apply to cash advances, you can lose a grace period if you carry a balance. Cards typically require on-time, in-full payments to recover the grace period and be able to avoid interest again.</span></p> <h2>What Is the Average Credit Card Interest Rate?</h2> <p><span style="font-weight: 400;">The </span><a href="https://www.forbes.com/advisor/credit-cards/average-credit-card-interest-rate/"data-mktp-link='{"clickText":"average interest rate","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/credit-cards\/average-credit-card-interest-rate\/","clickType":"internal"}'><span style="font-weight: 400;">average interest rate</span></a><span style="font-weight: 400;"> in February 2024 was 22.63%, according to the Federal Reserve. Credit card rates shift for individual consumers based on several factors, including creditworthiness. Typically, the lower your credit rating, the higher the interest rate you’ll be offered by an issuer for the same card.</span></p>  <h2 class="title"> Frequently Asked Questions (FAQs) </h2> <div class="main-faqs faq-2021 faq-v2" data-mktp-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <div class="faqs" data-mktp-misc-click='{"clickText":"When do you pay interest on a credit card?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">When do you pay interest on a credit card?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A balance on a card accrues interest when carried. In other words, if you don’t pay your credit card bill in full by the end of the month or billing period, any balance remaining will accrue interest at the rate determined by the card’s terms. <span style="font-weight: 400;">This interest will be added to the balance and the account holder must pay it off before closing the account.</span></p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"How do I lower my credit card interest rate?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How do I lower my credit card interest rate?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>If you’ve demonstrated responsible spending and credit habits, a lender may be willing to lower the interest rate on an existing card. There’s no guarantee a card issuer will lower your interest rate, but if you’re worried about or planning to carry a balance (we never recommend carrying a balance if it can be avoided), you can contact your issuer <a href="https://www.forbes.com/advisor/credit-cards/how-to-lower-your-credit-card-interest-rate/" target="_blank" rel="noopener">about a rate reduction</a>. If a rate reduction isn’t possible and you need another solution, explore <a href="https://www.forbes.com/advisor/credit-cards/what-is-a-balance-transfer/" target="_blank" rel="noopener">transferring a balance</a> to a new card with a lower APR or an introductory APR offer.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"What are the best low-interest credit cards?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What are the best low-interest credit cards?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The <a href="https://www.forbes.com/advisor/credit-cards/best-0-apr-credit-cards/">best low-interest credit cards</a> offer APRs below the average. Most also don’t charge annual or other maintenance fees and provide additional useful benefits.</p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"Is credit card interest tax deductible?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Is credit card interest tax deductible?</h3> </div> <div class="faq-answer wysiwyg-content"> <p><span style="font-weight: 400;">Interest incurred on credit cards for personal expenses isn’t deductible. However, interest on certain small business expenses may be deductible, so be sure to consult your tax advisor.</span></p> </div> </div> <div class="faqs" data-mktp-misc-click='{"clickText":"How do I avoid interest on my credit cards?","clickType":"Accordion","referenceText":""}'> <div class="faq-question"> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How do I avoid interest on my credit cards?</h3> </div> <div class="faq-answer wysiwyg-content"> <p><span style="font-weight: 400;">To avoid credit card interest, pay all credit card bills in full and on time. Card issuers typically extend a </span><a href="https://www.forbes.com/advisor/credit-cards/how-to-use-your-credit-card-grace-period-to-avoid-paying-interest/"><span style="font-weight: 400;">grace period</span></a><span style="font-weight: 400;"> to allow you to avoid interest by paying on time, but this goes away the moment you carry a balance—any new purchases will usually begin to accrue interest the day the purchase is made. Recovering a grace period following a carried balance typically requires a series of in-full, on-time payments.</span></p> </div> </div> </div>    </div> <div> </div> <div class="non-affiliate-disclosure-wrapper mt-20"> <div class="section-content wysiwyg-content"> <p> <em></em> </p> </div> </div> <div> <style id="style_1_article-feedback-style">.feedback-rating-box{display:flex;margin-bottom:20px}@media screen and (max-width:576px){.feedback-rating-box{margin-bottom:26px}}.feedback-rating-box .feedback-rating-container{direction:rtl!important}.feedback-rating-box .feedback-rating-container label{color:#fff;cursor:pointer;display:inline-block;font-size:26px!important;text-shadow:-1px 0 #999,0 1px #999,1px 0 #999,0 -1px #999;transition:color .2s}.feedback-rating-box .feedback-rating-container input{display:none}.feedback-rating-box .feedback-rating-container input:checked~label,.feedback-rating-box .feedback-rating-container label:hover,.feedback-rating-box .feedback-rating-container 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alt="Becky Pokora"></span> <span>By <strong>Becky Pokora</strong></span> </div> </div> </a> </div> </div> </div> </div> </div> <div class="rafeed__container"> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. 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The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="authorbio" data-mktp-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/kfranklin/" title="Kelly-Ann Franklin" target="_blank" data-mktp-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2023/02/Kelly-Ann-Franklin-88x88.jpeg" alt="Kelly-Ann Franklin" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/kfranklin/" target="_blank" class="authorbio__name" data-mktp-link='{"clickText":"Kelly-Ann Franklin","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/kfranklin\/","clickType":"internal"}'> Kelly-Ann Franklin </a> <div class="authorbio__role">Updates Editor</div> </div> </div> <div class="authorbio__bottom"> <p>Kelly-Ann Franklin has spent more than two decades in journalism which has helped her build a wide knowledge base of business and personal finance topics. 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She began her career as a freelance sports writer before moving into features, lifestyle and entertainment and then on into general news.</p> </div> </div> </div> <div class="article_published_date"> </div> </div> </div> <div class="ng-scope forbes-media-footer"> <footer class="clearfix shared-footer "> <div class="row-inner footer-gap "> <div class="footer-logo"> <a href="https://www.forbes.com/" target="_self" class="logo logo-footer flex justify-center" aria-label="forbes"> <svg width="120" height="32" fill="#181716" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"> <path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path> </svg> </a> <span class="copy ng-binding">© 2025 Forbes Media LLC. 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getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_MKTP_CLIENT_ID = 'mktp_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var mktpClientId = __cookie.get(COOKIE_MKTP_CLIENT_ID); if(mktpClientId){ userid = mktpClientId; }else{ var prefix = (typeof mktpBase !== 'undefined' && mktpBase?.tidPrefix) ? mktpBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_MKTP_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["cta_builder","display_faq"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = []; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Regular post_v1', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '12', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Kelly-Ann Franklin', author_role: 'Updates Editor', primary_category: 'Credit cards', secondary_category: '', published_date: 'September 14, 2022', updated_date: 'Jun 13, 2024', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '974bd9b9e6', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; analyticsParams.product_position = product_position; analyticsParams.card_category_tab_name = !!card_category_tab_name ? card_category_tab_name : ''; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = Element.prototype.msMatchesSelector || 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ele.classList.add(className); } else { ele.className += ' ' + className; } } function _mappendElem(elType, targetElSelector, eleId, eleClass) { var createEle = document.createElement(elType); if (!!eleId) { createEle.id = eleId; } else if (!!eleClass) { _maddClass(createEle, eleClass); } document.querySelector(targetElSelector).appendChild(createEle); } function _maddEventHandler(elem, eventType, handler) { if (elem.addEventListener) elem.addEventListener(eventType, handler, false); else if (elem.attachEvent) elem.attachEvent('on' + eventType, handler); } function throttle(callback, delay) { var timeout = null; var args = null; function handler() { callback.apply(null, args); timeout = null; } return function () { if (!timeout) { args = arguments; timeout = setTimeout(handler, delay); } }; } function debounce(fn, delay) { var timer; return function () { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } if (timer) clearTimeout(timer); timer = setTimeout(function () { fn.apply(null, args); }, delay); }; }; function inViewport(el) { var r, html; if (!el || 1 !== el.nodeType) { return false; } html = document.documentElement; r = el.getBoundingClientRect(); return (!!r && r.bottom >= 0 && r.right >= 0 && r.top <= html.clientHeight && r.left <= html.clientWidth && r.width > 0 && r.height > 0); } function getVisibilityForElement(ele) { var pageHeight = window.innerHeight, scrollTop = window.pageYOffset || document.documentElement.scrollTop, elementTop = ele.getBoundingClientRect().top + scrollTop, elementHeight = ele.offsetHeight, portionHiddenBeforeVP = scrollTop - elementTop, portionHiddenAfterVP = (elementTop + elementHeight) - (scrollTop + pageHeight); if ((scrollTop > elementTop + elementHeight) || (elementTop > scrollTop + pageHeight) || getComputedStyle(ele, null).display == "none") { return 0; } else { var visibility = 100; if (portionHiddenBeforeVP > 0) { visibility -= (portionHiddenBeforeVP * 100) / elementHeight; } if (portionHiddenAfterVP > 0) { visibility -= (portionHiddenAfterVP * 100) / elementHeight; } return visibility; } } function getSizeArray(placeholderId) { try { var currentDeviceConfig = dfpConfig[deviceType]; // Eg: dfpConfig['1'] if (!!currentDeviceConfig && !!currentDeviceConfig[placeholderId]) { var placeholderObj = currentDeviceConfig[placeholderId]; //eg: dfpConfig['1']['rec'] return placeholderObj.size || []; } } catch (error) { console.log('Error while creating size array', error); } return []; } function getcssClass(placeholderId) { try { deviceType = getDeviceTypeInNumber(deviceType); var currentDeviceConfig = dfpConfig[deviceType]; // Eg: dfpConfig['1'] if (!!currentDeviceConfig && !!currentDeviceConfig[placeholderId]) { var placeholderObj = currentDeviceConfig[placeholderId]; //eg: dfpConfig['1']['rec'] return placeholderObj.cssClass || ''; } } catch (error) { console.log('Error while returning cssClass ', error); } return ''; } function getPageIndex(articleIndex, currentRowIndex) { var totalSlides = currentRowIndex; for (var ai = 0; ai < articleIndex; ai++) { totalSlides += slidesCountMap[ai]; } return totalSlides; } window.placeHolderMap = {}; window.slidesCountMap = {}; function generatePlaceHolders(parentID) { try { var parentID = parentID || false; var placeholderClassList = [], placeholderIDList = []; var currentDeviceConfig = dfpConfig[deviceType]; for (placeholderId in currentDeviceConfig) { if (currentDeviceConfig.hasOwnProperty(placeholderId)) { placeholderIDList.push(placeholderId); placeholderClassList.push(currentDeviceConfig[placeholderId].cssClass); } } generatePlaceholderDivsAndMapping(parentID, placeholderClassList, placeholderIDList); } catch (error) { console.log('Error generatePlaceHolders', error); } } //this function will generate placeholder divs and mapping for lazy loading function generatePlaceholderDivsAndMapping(parentID, placeholderClassList, placeholderIDList) { var articleRowList = null; if (parentID) { var el = document.getElementById(parentID); articleRowList = el.getElementsByClassName("article-row"); } else { articleRowList = document.getElementsByClassName("article-row"); } if (articleRowList.length !== 0) { var articleIndex = articleRowList[0].getAttribute('data-page'); slidesCountMap[articleIndex] = articleRowList.length; } var placeholderCounterMap = {}; for (var row = 0; row < articleRowList.length; row++) { var articleRow = articleRowList[row]; var articleIndex = articleRow.getAttribute('data-index'); var pageIndex = articleRow.getAttribute('data-page'); var placeholderIndexMapKey = pageIndex + "" + articleIndex; if (!placeholderIndexMap[placeholderIndexMapKey]) { placeholderIndexMap[placeholderIndexMapKey] = {}; } for (var pindex = 0; pindex < placeholderClassList.length; pindex++) { var placeholderClass = placeholderClassList[pindex]; var placeholderID = placeholderIDList[pindex]; if (!placeholderCounterMap[placeholderID]) { placeholderCounterMap[placeholderID] = 0; //{recx: 0 } } if (!placeholderIndexMap[placeholderIndexMapKey][placeholderID]) { placeholderIndexMap[placeholderIndexMapKey][placeholderID] = []; } var placeholderDivs = articleRow.getElementsByClassName(placeholderClass); //loop placeholder divs for (var ph = 0; ph < placeholderDivs.length; ph++) { //{01: {recx: []}} placeholderIndexMap[placeholderIndexMapKey][placeholderID].push(placeholderCounterMap[placeholderID]); //generate divs var placeholder = document.createElement("div"); var id = placeholderID + '-' + pageIndex + '-' + placeholderCounterMap[placeholderID]; //recx-0-1 placeholder.id = id; // placeholder.className = (placeholderID != 'mnra') ? 'animated-background' : ''; window.placeHolderMap[id] = true; placeholderDivs[ph].appendChild(placeholder); placeholderCounterMap[placeholderID]++; } } } } function initializeDFP(callback) { try { googletag.cmd.push(function () { googletag.pubads().enableSingleRequest(); googletag.pubads().setTargeting("channel", "advisor_us"); googletag.pubads().setTargeting("id", "/advisor/350311" ); googletag.pubads().setTargeting("authorName", "kelly-ann-franklin" ); googletag.pubads().setTargeting("template", "regular-post_v1" ); googletag.pubads().setTargeting("section", "personal-finance" ); googletag.pubads().setTargeting("authorType", "updates-editor" ); googletag.pubads().setTargeting("category", "credit-cards" ); googletag.pubads().setTargeting("swimlane", "" ); googletag.pubads().disableInitialLoad(); googletag.enableServices(); }); if (callback && typeof (callback) === "function") { callback(); } } catch (error) { console.log('DFP Error' + error); } } function lazyLoadSlots(articleIndex, rowIndexArray) { /* This function will create div ids, size array and call defineSlot */ rowIndexArray.forEach(function (rowIndex) { var slotMetaDataArray = []; var placeholderIndexMapKey = articleIndex + "" + rowIndex; //Eg: 01 var slotIndexMap = placeholderIndexMap[placeholderIndexMapKey]; if (!slotIndexMap) { console.log('slot not found', placeholderIndexMapKey); return false; } for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 //push to slotMetaDataArray, if slotId present in placeHolderMap and slotId not true in defineSlotMap if (window.placeHolderMap[slotId] && !window.defineSlotMap[slotId]) { var sizeArray = getSizeArray(placeholderId); //eg: [[320,50], [1,1]] var pageIndex = getPageIndex(articleIndex, rowIndex); if (sizeArray.length != 0) { var slotMetaDetails = { sizeArray: sizeArray, slotId: slotId, placeholderId: placeholderId, index: index, articleIndex: articleIndex, pageIndex: pageIndex, unitPath: unitPath, batch: articleIndex + "" + rowIndex }; slotMetaDataArray.push(slotMetaDetails); } } }); } } //send slots to dfp for each row if (slotMetaDataArray.length != 0) { defineDFPSlotBatches(slotMetaDataArray); } }); //send max 4 slots to dfp // while (slotMetaDataArray.length > 0) { // var chunkArray = slotMetaDataArray.splice(0,4); // defineDFPSlotBatches(chunkArray); // } } window.allSlots = {}; function defineDFPSlotBatches(slotMetaDataArray) { if (!!window.dfpdbg) { console.log('slotMetaDataArray', slotMetaDataArray); } var firstSlotMeta = slotMetaDataArray[0]; var batch = firstSlotMeta.batch; var placementMap = []; window.allSlots[batch] = []; slotMetaDataArray.forEach(function (meta) { placementMap.push({slotID: meta.slotId, sizes: meta.sizeArray}); defineSlot(meta); }); if (placementMap.length !== 0) { // callAmazon(placementMap, batch); // callApsOnError(batch); callGPT(placementMap, batch); } } //DFP Slot logic start window.defineSlotMap = {}; function defineSlot(slotMeta) { googletag.cmd.push(function () { var slotId = slotMeta.slotId; var slot = googletag.defineSlot(slotMeta.unitPath, slotMeta.sizeArray, slotId) .addService(googletag.pubads()) .setTargeting('pos', slotMeta.placeholderId) .setTargeting('slotId', slotId); // .setTargeting(slotMeta.placeholderId, slotMeta.index + '') // .setTargeting('pageIndex', slotMeta.pageIndex); googletag.display(slotId); window.allSlots[slotMeta.batch].push(slot); window.defineSlotMap[slotId] = true; }); } // function callApsOnError(batch) { // if (apsErrorLoading) { // googletag.cmd.push(function () { // googletag.pubads().refresh(window.allSlots[batch]); // }); // } // } // function callAmazon(placementMap, batch) { // apstag.fetchBids({ // slots: placementMap // }, function (bids) { // googletag.cmd.push(function () { // apstag.setDisplayBids(); // googletag.pubads().refresh(window.allSlots[batch]); // }); // }); // } function callGPT(placementMap, batch) { googletag.cmd.push(function () { googletag.pubads().refresh(window.allSlots[batch]); }); } var sections = document.getElementsByClassName('article-row'); function initDFPScrollhandler(callback, destroySlots) { _maddEventHandler(window, 'scroll', debounce(function () { var scrollTop = window.pageYOffset || document.documentElement.scrollTop; var direction = (scrollTop > previousScrollTop) ? 1 : -1; //downward scroll var large = 0; var largestVisibleElement = 0; for (var s = 0; s < sections.length; s++) { var section = sections[s]; var percentage = getVisibilityForElement(section); if (percentage > 99) { large = percentage; largestVisibleElement = section; break; } if (large < percentage) { large = percentage; largestVisibleElement = section; } } // console.log('lll ', largestVisibleElement, large, sections.length); if (largestVisibleElement) { var currentRowIndex = largestVisibleElement.getAttribute('data-index'); var dataPageIndex = largestVisibleElement.getAttribute('data-page'); var isDFPCalled = largestVisibleElement.getAttribute('data-dfp') || false; // Destroy old slots if (destroySlots === true) { destroyOldSlots(currentRowIndex, dataPageIndex); } if (!!isDFPCalled) { return; } if (callback && typeof (callback) === "function") { callback(direction, currentRowIndex, dataPageIndex); } largestVisibleElement.setAttribute("data-dfp", true); } previousScrollTop = scrollTop <= 0 ? 0 : scrollTop; }, 250)); } function destroyOldSlots(currentRowIndex, dataPageIndex) { var deleteOffset = 3; var articleIndex = dataPageIndex; var deleteRowIndex = currentRowIndex - deleteOffset; // To handle slides for previous article if (deleteRowIndex < 0 && articleIndex > 0) { // while(deleteRowIndex < 0 && articleIndex >= 0){} articleIndex = articleIndex - 1; if (slidesCountMap[articleIndex] >= 0) { deleteRowIndex = slidesCountMap[articleIndex] + deleteRowIndex; } } if (deleteRowIndex < 0) { return; } var batchNumber = articleIndex + "" + deleteRowIndex; //01 if (allSlots[batchNumber] && allSlots[batchNumber].length != 0) { // console.log('-- Destroy --'); // console.log('Row Index: ', deleteRowIndex); // console.log('BatchNumber -> ', batchNumber); googletag.cmd.push(function () { googletag.destroySlots(allSlots[batchNumber]); }); allSlots[batchNumber] = []; var slotIndexMap = placeholderIndexMap[batchNumber]; for (placeholderId in slotIndexMap) { // Eg: placeholderId = rec if (slotIndexMap.hasOwnProperty(placeholderId)) { var indexArray = slotIndexMap[placeholderId]; //Eg: [1,2] indexArray.forEach(function (index) { var slotId = placeholderId + "-" + articleIndex + "-" + index; // eg: rec-0-1 defineSlotMap[slotId] = false; // console.log('slotId -> ', slotId); }); } } var articleWrapper = document.getElementsByClassName('spa-article')[articleIndex]; if (!!articleWrapper) { var articleRow = articleWrapper.getElementsByClassName('article-row')[deleteRowIndex]; if (!!articleRow) { articleRow.removeAttribute('data-dfp'); } } // console.log('-- Destroy --'); } } function loadSingleUnit(posArray, articleIndex, parentID) { var slotMetaDataArray = []; var parentEle = null; if (parentID) { parentEle = document.getElementById(parentID); } else { parentEle = document; } posArray.forEach(function (pos) { var placeholderClass = getcssClass(pos); var parentDiv = parentEle.getElementsByClassName(placeholderClass); if (!!parentDiv.length != 0) { //create div var placeholder = document.createElement("div"); var slotId = pos + "-" + articleIndex; //rec-0 placeholder.id = slotId; placeholder.className = 'placeholder'; window.placeHolderMap[slotId] = true; parentDiv[0].appendChild(placeholder); var sizeArray = getSizeArray(pos); var meta = { sizeArray: sizeArray, slotId: slotId, placeholderId: pos, index: 1, articleIndex: articleIndex, pageIndex: 1, unitPath: unitPath, batch: articleIndex + "w" }; slotMetaDataArray.push(meta); } else { console.error('placeholder not found', placeholderClass); } }); if (slotMetaDataArray.length !== 0) { defineDFPSlotBatches(slotMetaDataArray); } } function refreshSlots(slots) { if (slots.length !== 0) { googletag.cmd.push(function () { googletag.pubads().refresh(slots); }); } } </script> <script> (function(googletag){ var refreshState = {}; var getSlotId = function(slotId){ var identifier = "-re"; var hasIdentifier = slotId.indexOf(identifier) !== -1; if(hasIdentifier){ //If there is suffix (re) remove count // top-re1 -> top-re return slotId.substring( 0, (slotId.indexOf(identifier)+identifier.length) ); } //If there is no suffix (re) add it // top -> top-re return slotId + identifier; //top-re }; googletag.cmd.push(function(){ googletag.pubads().addEventListener('slotRequested', function(event) { var slot = event.slot; var slotID = slot.getSlotId().getId(); var slotIdTargetingId = slot.getTargetingMap().pos[0]; //refreshState['UNIT_PATH'] if(refreshState[slotID] !== undefined){ refreshState[slotID] = refreshState[slotID] + 1; event.slot.setTargeting( 'pos', (getSlotId(slotIdTargetingId) + refreshState[slotID]) ); event.slot.setTargeting('refreshCount', refreshState[slotID]); }else{ refreshState[slotID] = 0; } }); }); })(googletag); </script> <script> var deviceType = getDeviceTypeInNumber(window.deviceType); var RIGHT_RAIL_DFP_SECTION_HEIGHT = 1100; var RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT = 1500; var RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT = 800; var posData = { top : { placeholder:'top-ed-placeholder', sizes:[[728,90],[970,250],[970,90],[970,66], [1,1], ['fluid']], tabletSizes:[[728,90], [1,1], ['fluid']], }, rail : { placeholder:'rail-recx-ed-placeholder', sizes:[[300,250], [336,280], [300,600], [1,1], ['fluid']], }, inlineArticle : { placeholder:'inline-article-ed-placeholder', sizes:[[300,250], [300,251], [300,50], [320,50], [1,1], ['fluid']], }, mobileSticky : { placeholder:'mobile-sticky-ed-placeholder', sizes:[[300,50],[320,50], [1,1], ['fluid']], }, showDfpShortcode : { placeholder:'show-dfp-shortcode-ed-placeholder', sizes:[[300,250], [1,1], ['fluid']], }, }; var shortcodePosData = { inread : { selector : "#show-dfp-yhs-shortcode-ed", } }; var selectors = { articleWrapper: '.blue-banner-component', rightRailDfp: '.right-rail__display', rightRailContent: '.right-rail__content', topRightRail: '.top-right-rail', articleBody: '.article-body', topEd: '.top-ed-placeholder', header: '.header-us', showDfpShortcode:'#show-dfp-shortcode-ed', excludeSections: ['.faqs', '.exclude-eds'], leftRailWrapper: '.main-content-inner-wrapper', rightRailWrapper: '.right-rail', }; var util = function(){ /** * This function inserts a element after reference node * @param el * @param referenceNode */ var insertAfter = function (el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode.nextSibling); }; /** * This function inserts a element before reference node * @param el * @param referenceNode */ var insertBefore = function(el, referenceNode) { referenceNode.parentNode.insertBefore(el, referenceNode); }; /** * This function creates a element * @param el * @param attr * @returns {element} */ function createElement(el,attr){ el = el || 'div'; attr = attr || {}; var e = document.createElement(el); if( attr ){ for(var p in attr){ e.setAttribute(p,attr[p]); } } return e; } function throttle(fn, delay) { var canCall = true; return function () { if (canCall) { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } fn.apply(null, args); canCall = false; setTimeout(function () { canCall = true; }, delay); } }; }; function debounce(fn, delay) { var timer; return function () { for (var _len = arguments.length, args = new Array(_len), _key = 0; _key < _len; _key++) { args[_key] = arguments[_key]; } if (timer) clearTimeout(timer); timer = setTimeout(function () { fn.apply(null, args); }, delay); }; }; function $qs(selector){ return document.querySelector(selector); } function $qsa(selector){ return document.querySelectorAll(selector); } return { insertAfter:insertAfter, insertBefore:insertBefore, createElement:createElement, throttle:throttle, debounce:debounce, $qs:$qs, } }(); /** * @returns {number} * @param calculationParameters * * First DFP section height: 1500px * Middle DFP section height: 1100px * Last min DFP section height: 800px * * Based on the above parameters calculate the number of DFP section for Right Rail */ function getTotalSectionCountDesktop (calculationParameters) { var totalHeight = (calculationParameters.totalHeight - calculationParameters.heightDeduction); var count = 0; var remainingHeight = 0; if (totalHeight > RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) { totalHeight -= RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT; count += 1; } var sectionCount = Math.floor(totalHeight / calculationParameters.sectionHeight); if (sectionCount) { count += sectionCount; remainingHeight = totalHeight - (sectionCount * RIGHT_RAIL_DFP_SECTION_HEIGHT); } else { remainingHeight = totalHeight; } if (remainingHeight >= RIGHT_RAIL_MIN_LAST_DFP_SECTION_HEIGHT) { count += 1; } return count < 0 ? 0 : count; } /** * @returns {number} * @param sectionHeight */ function getTotalHeight(sectionHeight){ var defaultHeight = sectionHeight || 2000; var sectionsParent; if (window.__articleMainContentSelector) { sectionsParent = document.querySelector(__articleMainContentSelector); } else { sectionsParent = document.querySelector(selectors.leftRailWrapper); } return ( !!sectionsParent ) ? sectionsParent.offsetHeight : defaultHeight ; } /** * @returns {number} */ function getHeightDeduction(){ var deductionHeight = 0; var rightRailContents = document.querySelectorAll(selectors.rightRailContent); if (rightRailContents && rightRailContents.length) { rightRailContents.forEach(function (ele) { if (!!ele) { deductionHeight += ele.offsetHeight; } }); } return deductionHeight; } /** * This function will generate placeholders */ function generateRightRailPlaceholders(){ var totalHeight = getTotalHeight(RIGHT_RAIL_DFP_SECTION_HEIGHT); var htDeduction = getHeightDeduction(); var calculationParameters = { totalHeight: totalHeight, sectionHeight: RIGHT_RAIL_DFP_SECTION_HEIGHT, heightDeduction: htDeduction }; var sectionCount = getTotalSectionCountDesktop(calculationParameters); if( !!sectionCount ){ var html = ''; var lastDfpSectionHeight = ( (totalHeight - htDeduction - RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT) - ( (sectionCount - 1) * RIGHT_RAIL_DFP_SECTION_HEIGHT ) ) + RIGHT_RAIL_DFP_SECTION_HEIGHT; for(var i=0; i < sectionCount ;i++){ if ( i === 0 ){ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_FIRST_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } else if ( sectionCount - 1 === i ) { html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+lastDfpSectionHeight+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; }else{ html += '<div class="article-row" data-page="0" data-index="'+i+'" style="height:'+RIGHT_RAIL_DFP_SECTION_HEIGHT+'px;"><div class="'+posData.rail.placeholder+' text-center sticky-item"></div></div>'; } } var rightRailDfp = document.querySelector(selectors.rightRailDfp); if(!!rightRailDfp){ rightRailDfp.innerHTML = html; } } } /** * This function will generate top ed placeholder */ function generateTopEdPlaceholder(){ var top = util.createElement('div',{ "class":'top-ed-placeholder', }); util.insertBefore(top,util.$qs(selectors.articleWrapper)); }; /** * This function will generate mobile sticky ed placeholder */ function generateMobileStickyEdPlaceholder(){ var bottom = util.createElement('div',{ "class":'mobile-sticky-ed-placeholder', }); util.insertAfter(bottom,util.$qs(selectors.articleWrapper)); handleNotices(bottom); }; function handleNotices(bottomStickyElement){ if(!!bottomStickyElement){ var stickyHeight = bottomStickyElement.offsetHeight; stickyHeight = ( stickyHeight > 0 )? stickyHeight : 0; var notices = util.$qs('.notices'); if (notices) { notices.style.bottom = stickyHeight + "px"; } } } /** * This function will generate placehoders */ function generateIncontentPlaceholders(){ var parentWrapper = document.querySelector(selectors.articleBody); var paras = parentWrapper.querySelectorAll('p'); var dataIndex = 0; var initialLoad = true; var initialLoadCount = 0; var validParagraphCount = 0; var maxCharacterLength = 150; for(var i = 0 ; i < paras.length ;i++){ var currentPara = paras[i]; var text = currentPara.textContent || currentPara.innerText; var excludeCurrentPara = currentPara.getAttribute('data-ed-excluded-el'); if( text.length > maxCharacterLength && excludeCurrentPara === null ){ validParagraphCount++; } if( ( initialLoad && validParagraphCount === 2 ) || validParagraphCount === 4 ){ initialLoadCount++; if( initialLoadCount === 2 ){ initialLoad = false; } var wrapper = util.createElement('div',{ "class":'article-row', "data-page":0, "data-index":dataIndex, }); wrapper.appendChild( util.createElement('div',{class:posData.inlineArticle.placeholder}) ); util.insertAfter( wrapper, currentPara ); dataIndex++; validParagraphCount = 0; } } } /** * This function will generate incontent ed placeholder for dfp shortcode */ function generateIncontentShortcodePlaceholder() { var stl = "text-align:center;margin:10px 0;"; if (deviceType === 3) { stl += "margin-right:-15px;margin-left:-15px;"; } var shortcodePlaceholder = util.createElement('div', { "class": posData.showDfpShortcode.placeholder, "style": stl }); var el = util.$qs(selectors.showDfpShortcode); if (!!el) { el.appendChild(shortcodePlaceholder); } } /** * This function will return array of elements for exclusion * elementSelectors : ['.faqs','.someothersection'] * * return [div.faq,div#something]; */ function getSectionsDomElementsToExclude(elementSelectors){ var allElements = []; if( Array.isArray(elementSelectors) && elementSelectors.length > 0 ){ elementSelectors.forEach(function(elSelector){ var els = document.querySelectorAll(elSelector); if( els.length > 0 ){ for( var i = 0; i < els.length ; i++ ){ allElements.push(els[i]); } } }); } return allElements; } /** * This function will add exclusion attribute */ function addEdExclusionDataAttribute(els){ var noOfElements = els.length; if( !!els && noOfElements > 0 ){ for( var i = 0 ; i < noOfElements ; i++ ){ els[i].setAttribute('data-ed-excluded-el',true); } } } /** * This function adds exclusion attribute to elements found in exclusion section */ function addExlusionAttribute(callback){ var allSectionstoExclude = getSectionsDomElementsToExclude(selectors.excludeSections); if( Array.isArray(allSectionstoExclude) && allSectionstoExclude.length > 0 ){ allSectionstoExclude.forEach(function(section){ var paras = section.querySelectorAll('p'); addEdExclusionDataAttribute(paras); }); } if( typeof callback === 'function'){ callback(); } } /** * This function will generate dfp yhs shortcode placeholder */ function generateShowDfpYhsPlaceholder(){ var el = util.createElement('div',{ "class":posData.showDfpShortcode.placeholder, }); var targetElement = util.$qs(shortcodePosData.inread.selector); if( !!targetElement ){ targetElement.appendChild(el); } } /** * This function will generate dfp yhs shortcode placeholder */ function loadShowDfpYhsUnit(){ if( !!util.$qs(shortcodePosData.inread.selector) ){ loadSingleUnit(['inread'], 0, null); } } /** * This function will generate placehoders for template based on device */ function generateTemplatePlaceHolders(){ if( deviceType !== 3 ){ generateTopEdPlaceholder(); generateRightRailPlaceholders(); }else{ generateMobileStickyEdPlaceholder(); addExlusionAttribute(generateIncontentPlaceholders); } generateIncontentShortcodePlaceholder(); generateShowDfpYhsPlaceholder(); } generateTemplatePlaceHolders(); /** * Set the placeholder height of lazy loaded units */ function setMobilePlaceholdersHeight() { googletag.cmd.push(function () { googletag.pubads().addEventListener('slotRenderEnded', function(event) { var slotEl = document.querySelector('#' + event.slot.getSlotElementId()).parentElement; var slotHeight; if (event.size && event.size[1] !== 0) { slotHeight = event.size[1] + 'px'; } else { slotHeight = 'auto'; } if (!!slotEl) { slotEl.style.height = slotHeight; } }); }); } //handle sticky top var isSticky = false; var isStickyDone = false; function handleTopEdScroll(){ var topEd = document.querySelector(selectors.topEd); var headerHeight = document.querySelector(selectors.header).offsetHeight; var offset = window.pageYOffset || document.documentElement.scrollTop; if(topEd){ var scrollOffset = topEd.offsetTop; if(!isSticky){ if(topEd.classList.contains('top-ed-placeholder--sticky')){ isSticky = true; } if( offset > scrollOffset ){ topEd.classList.add('top-ed-placeholder--sticky'); if (document.querySelector(".regular-template")) { document.querySelector(".regular-template").style.paddingTop=topEd.offsetHeight+"px"; } else if (document.querySelector(".guides-template")) { document.querySelector(".guides-template").style.paddingTop=topEd.offsetHeight+"px"; } } setTimeout(function(){ topEd.classList.remove('top-ed-placeholder--sticky'); 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generatePlaceHolders(null); initializeDFP(function(){ if( deviceType !== 3 ){ loadSingleUnit(['top'], 0, null); }else{ loadSingleUnit(['mobile'], 0, null); setMobilePlaceholdersHeight(); } if(!!util.$qs('.'+posData.showDfpShortcode.placeholder)){ loadSingleUnit(['inread'], 0, null); } loadShowDfpYhsUnit(); lazyLoadSlots(0,[0,1]); }); initDFPScrollhandler(function(direction, currentRowIndex, pageIndex){ var rowOffset = 1 * direction; var nextDfpRowIndex = parseInt(currentRowIndex) + rowOffset; lazyLoadSlots(pageIndex, [parseInt(currentRowIndex), nextDfpRowIndex]); }, true); function adjustHeightGap() { let leftRail = document.querySelector(selectors.leftRailWrapper), righRail = document.querySelector(selectors.rightRailWrapper); if(leftRail && righRail){ let leftRailHeight = leftRail.offsetHeight, righRailHeight = righRail.offsetHeight, heightDiffernce = righRailHeight - leftRailHeight, articleRow = document.getElementsByClassName("article-row"), articleRowCount = document.querySelectorAll('.article-row').length, heightDeduction = heightDiffernce / articleRowCount; 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Terms regarding interest can be especially difficult to parse since interest is typically expressed as an annual percentage rate (APR) and requires the use of polynomial algebra to calculate. 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