Okay, this farm is by far my favorite old world farm.  Generally because discovering this spot is like finding a hidden gem that the developers do not want you knowing about.  The thing is, everyone talks about farming zul farrack by pulling the entire instance... Nope, the real gold is made by flying over zul farrack...  If you fly over zul farrack until you reach the large steps that begins the usual third boss scenario, you will find that there are literally 50 trolls just hanging on the steps and another 25 just sitting at the foot of the steps.  It's an amazing scene, as all these trolls have ACTIVE level 40-45 loot tables.  Each and every one of them can drop cloth and mogs from the mid level era of items.  Whats more is they don't take too long to respawn.  ALSO they are not affected by the 7.3 transmog nerf because they ARE NOT in an instanced zone.  Making this spot the BEST transmog spot in the game IMO.  Check it out in the video, it's really awesome.
It’s easy for the new player to follow and efficient enough for the experienced player to want to use it. That’s a tough act, but John pulls it off nicely and his Zygor’s Guide rocks. Of course, one can argue that it makes the game too easy, but I’m not one of them. Want to make it a bit more difficult? Don’t worry so much about your gear and send those heirlooms to your other alt.
1. Begin by providing a sell message that is clear and concise. This includes the grammar and punctuation just as much as it does the word choice. Try changing that "Some noob buy my sh!t" into "Looking to sell a ____. Please message me if interested. Thanks!". People would rather see a message that is obviously not from a foreign gold farmer or a younger kid. These sellers are hard to deal with and have the stereotype of scamming the honest player.
Encrypted Patch 8.2 Build 29970 Arrives to WoW Vendor As Ion mentioned in his latest PC Gamer interview, the initial Patch 8.2 Build will be pushed to test servers really soon. WoW Vendor has been updated with a new encrypted Build 29970, so the big info dump and Rise of Azshara on Public Test Realms are imminent. World of Warcraft WoW Today at 08:17 by Stan 3 comments
Mythic+ has some similarity to raiding, but it’s designed for just five players, instead of the 10-to-30 that can make up a raid. This mode tasks players with clearing the game’s dungeons, but with specific changes that make them harder, scaling up until it’s impossible for groups to finish. Players receive a keystone in their inventory that assigns them their dungeon, one of the game’s 10, and gives the dungeon a level. This determines how difficult enemies are and what effects might make them harder. If the group completes the keystone in time, they get a new, higher-level stone; if they, don’t they get a lower-level stone.
Once your character makes it to Outland and beyond, cashflow frees up considerably. The quest rewards are much better than in Azeroth. In fact, a typical character will earn from 1000-1200 in quest rewards and vendor trash while leveling 60-70 in Outland, and perhaps 1400-1600 from 70-80 in Northrend. The tendency is, therefore, to spend more freely after one hits 60. However, it is important for players not to go crazy on their spending once they make it to Hellfire. One thing is, training costs, repair costs, and consumable costs are also higher. More important, there is a large purchase that you are going to want to make at some point after level 60, your first flying mount and skill. The "bird" costs 40, the skill will cost you far more. Not only that, but if you want to fly it in Northrend at level 70, you'll have to shell out another 400 for Cold Weather Flying. And for those characters who will be 'farming' herbs or ore in either Outland or Northrend, an elite flying mount is almost essential, as it helps you gather almost twice as fast. That's another 5000 you'll be looking at. Therefore, budgeting carefully during the 60-80 leveling process is essential to ensuring you have sufficient cash on hand for making those purchases. Saving your pennies early makes that bird appear that much sooner.
Swim Speed Potions (used especially at lvl 37 for Faldir's Cove in Arathi Highlands and lvl 57 in WPL).  Try to get multiple stacks of these.  I also recommend keeping a stack of these always in your bags.  You will frequently pass rivers and lakes and can use these potions to pass them faster through out the guide.  Please note that these potions do not stack with Druid's Aquatic Form and Glyph of Aquatic Form.

Most classes in World of Warcraft start at first level, but Death Knights and Demon Hunters are exceptions. They start at level 55 and 98, respectively. This alone can shave a huge chunk of time from your leveling experience. Of course, it only works if you want to play a Death Knight or Demon Hunter, but they’re both solid classics that can dish out damage or tank in a group.
Tinder is great because there are often times where you are not casting Fireball for prolonged periods of time due to moving from area to area. This talent will make your first Fireball on almost every new encounter do more damage, and be extremely quick. Combined with Firestarter it is a guaranteed Critical Strike, giving you Heating Up, which you can then follow up with a Fire Blast giving you a Hot Streak instantly on almost any new target you fight.
Materials ('mats') - items that get used in professions. This is driven more by use than by source; for example, copper is very easy to mine, but it is widely in demand, and you can often find bargains in copper, bargains you can profit from. Contrarily, some very scarce mats may have low demand, may only be used in one mediocre recipe, and may not sell.
If you are not the leader of a high tier guild, do not worry because you can still make gold off of raids. This is the newly emerging GDKP runs that a respectable raider can put together (See why it is so important to keep a good reputation on your main toon?). Respectable raiders often take a few of their friends they can trust that have a lot of gear and bring random people along through the raid. Whenever a boss is killed, the items are auctioned for whatever base price you establish or more. You then split the money with your friends to keep everyone trying and happy, while you become richer without doing anything out of the ordinary. This seems like a perfect idea that can not fail, but it still has its risks. The tips below will help maximize the potential of the GDKP run.
Item Level Cap Staying at 425 for Crucible of Storms The new raid, Crucible of Storms, is coming in a few weeks, on April 16th, and is bringing higher base item level drops than the Battle of Dazar'alor raid. This made it seem that the maximum possible attainable item level was also increasing, since the Mythic level drops from the Crucible are already at or very close to the 425 cap, before any war or titan forging happens and they had a "+" in the dungeon journal, indicating they could be upgraded. World of Warcraft WoW Mar 26, 2019 at 22:25 by Starym
A dungeon should take about half an hour to 45 minutes, that is reasonable. What did we do to Maw of Souls because it was by far the fastest dungeon to spam run for AP? Nerfed its yield. Same happened to dungeons. Except instead of nerfing the XP, they adjusted the clear speed to justify the experience a bit more. Is it perfect? Nah, a lot of dungeons aren't even that long with updates. At most a clear takes 5 mins more.
The neutral auction house can become one of your best friends. Other players are constantly checking both factions' auction houses to find an appropriate price for the good they demand. Often times, goods are cheaper on the alliance because they have more people, thus, the supply increases as demand decreases and price goes down. If you are horde, feel free to transfer gold to your alliance toon through the neutral auction house in order to buy them item and bring it back to the horde side where it is more expensive. The 15%, as of patch 3.3.3 (down from 30%) is well worth the extra 50% or more you can easily make on one item alone. Blizzard decreased the neutral cut for a reason to 15%, that reason is to get trade facilitated between the horde and alliance. Make sure you take advantage of this! Tips when trading between factions: 

You can earn a decent amount of XP by doing Herbalism or mining. Any zone works but I prefer Sholazar Basin as a lot of the mobs are not aggressive and the mobs are spread out so you will find a lot of herbs and ore that you don’t have to fight for. It is possible to make about a level every hour by doing this, or a level every 30-40 minutes with rest XP.
EXPLORE TWO FABLED KINGDOMS – As a champion of the Horde, travel to Zandalar to persuade the trolls to lend their naval might to the war effort. As a defender of the Alliance, sail to the seafaring kingdom of Kul Tiras, home of Jaina Proudmoore, and rally its inhabitants to fight for your cause. Once you’ve successfully recruited one of these proud kingdoms to your faction, infiltrate the enemy’s newly claimed territory.
First off I wanna say that your guide truly did help. I was in my 3rd week playing the game and my friend kept loaning me money for mounts/gear things like that. I knew I had to pay him back at some point and just wanted a few pointers on how to make some gold to do that. What I got from your guide was MUCH more and I was able to pick out a few ways that helped me make enough gold to pay back my friend and even start earning some for myself. So just wanna say Thanks for all that!

For players, they’ve spent months dealing with the burden of Darnassus. For characters like Tauren druids, or Blood Elf paladins, this can feel like an overwhelming loss of agency. Many Horde players are also concerned because a similar tale played out two expansions ago in Mists of Pandaria, with Garrosh Hellscream. For these players, the second corrupt Warchief in under five years might suggest that the Horde they have been playing under for a decade or more is broken, and not worth defending.
Now that we have a lot to post we reached a point where we have to plan what items we post on an 12-24-48 hour cycle. The auction house fees for Warlords of Draenor items are extremely high. And the values of the items are really screwed up. A lot of the weapons or armor has an item value of 5-10.000 Gold. But they look plain bad and the chances of selling them is pretty low.
The Horde levels 50-60 guide has been rewritten and revamped.  My 1-60 Horde leveling guide is now completely updated for the 1.12 Drums of War patch.  As you can see it is about 15% larger than the 40-50 guide (single largest guide page yet).  There is also a lot of route changes.  I moved the entire Silithus section from level 55 to level 58, which allowed me to include a lot more quests for that zone.  There is also a lot of other improvement to the route, including adding a lot more quests into the guide, mostly from Moonglade, Silithus and Eastern Plaguelands.  This will make the final level 59 grind much shorter.

The leveling path was built around using a Hunter character and run by a player who knows how to use that character well. For the average player running, for example, a Paladin, the guides could be frustrating in spots, due to the level of the mobs. I played through Joana’s Guide with a Rogue (all the way from 1-70) and was able to deal with most everything, except for a few elites and I skipped most all of the group quests.
Learned this today: posted a comment, came back later to see if there was any feedback, reloaded the page: the page posted a copy of my comment. That was not what I wanted. I just wanted to check if my comment was posted and if there were some responses. I did not want to post a copy of my comment from 5 hours ago. And, a humble guess, I think the majority of the users are not expecting such behavior either.

For example, the Azure Whelpling belongs to the Dragonkin family. However, it has Beast, Magic, and Elemental abilities in addition to a Dragonkin attack. Different attacks are strong and weak against different family types. Having a diverse spell selection might increase your chances of being prepared with a strong attack against an opposing team.
Set sail for the previously unmapped isles of Azeroth. Battle in groups of three as you race against cunning rival intruders—or enemy players—to collect the island’s resources. Constantly evolving challenges await as you traverse frozen landscapes near Northrend, open the gates of an abandoned Gilnean castle, navigate a war between elementals and more. Tides of Vengeance adds two new Island Expeditions to the mix and two new random events, as well as updated rewards.
This is a risky way to make money, and not recommended. Tell a player that if he beats you in a duel you will give him 10 gold, but if you beat him he has to give you 5 gold. This can be very effective if you are skilled in PvP and make the bet with a trustworthy person, or friends. It is a very risky strategy, as you may lose gold, or the other player won't cough up the money anyway. You will also get a bad reputation if you don't cough up the money in the case of defeat.

The quality of captured wild pets is random. As of patch 5.1, upon entering a battle the Pet Battle UI shows the quality of a wild pet (idicated by a color-coded border around its icon). If you're farming a specific quality, if you forfeit the match your team will incur a small damage penalty (roughly 10%). There is no accurate way to determine a pet's quality prior to the start of a battle.
Okay, speaking of pet farms this one is a really unique farm.  What we're looking for is the carrier cage : black tabby.  This is a very sought after pet for both horde and alliance – which is why its price competitively at 55,000g.  The farm takes place in Hillsbrad Foothills on a peninsula like piece of land just northwest of the yeti caves.  There will be dozens of stormpike engineers surrounding ballistas that only horde characters can kill.  However, that doesn't mean alliance polayers can't do this farm (im alliance myself).  All you need to do is to create a class trial (monk is the best) and send him over to the grinding spot.  Use the black ox statue to attract the mobs, and easily maul them down group by group.  If luck is on your side, you can make out with an awesome black tabby carrier.
Materials ('mats') - items that get used in professions. This is driven more by use than by source; for example, copper is very easy to mine, but it is widely in demand, and you can often find bargains in copper, bargains you can profit from. Contrarily, some very scarce mats may have low demand, may only be used in one mediocre recipe, and may not sell.

Go to https://www.tradeskillmaster.com/pets/compare to compare prices of different servers. I’ve done this a lot, and I’ve bought pets for a few hundred gold on a server, transferred it to my main server and sold for 10k gold and more. You also need to buy cheap pets on your main server to transfer to other servers so that you can build up a bit of gold on other servers so that you can buy pets.


Patch 8.1.5 Hotfixes: March 26th Some early hotfixes today as we get more nerfs for the Zandalari regeneration racial, Paladins get less hasty, everyone gets 50% more conquest points in Rated BGs and Arenas until the 9th weekly Conquest Reward, Tiger's Peak is closed down as previously announced, in addition to the usual bug fixes for quests raids and achievements. World of Warcraft WoW Mar 26, 2019 at 17:10 by Starym
The Horde will now control most of Kalimdor, and the Alliance most of the Eastern Kingdoms. For a low-level character the quests and storylines won't change, but for high-level players many zones will see changes via phasing. Teldrassil is burned and Undercity is in ruins as the story progresses by phasing. At max level Arathi Highlands and Darkshore are phased to be updated to reflect their status as locations for Warfronts.
Former captain of the 4-man MDI team Sinking Ship, and self-proclaimed #2 Balance Druid, Peyton “Tettles” Tettleton’s appearance on the MDI desk will be one for the ages. Overall, his goal for the broadcast is to help viewers understand what makes the runs successful. “There is a lot of nuance in Mythic Plus and being able to teach the path to victory for each team is important,” he said. You can catch him on his stream or on YouTube where he primarily focuses on PVE content. He also authors the Wowhead Balance Druid Guide. He loves a good-natured meme and ridiculous photos of himself photoshopped.
You can earn a decent amount of XP by doing Herbalism or mining. Any zone works but I prefer Sholazar Basin as a lot of the mobs are not aggressive and the mobs are spread out so you will find a lot of herbs and ore that you don’t have to fight for. It is possible to make about a level every hour by doing this, or a level every 30-40 minutes with rest XP.

 Kul Tiran (8.1.5) - "Kul Tiras was founded by fearless explorers who sailed uncharted waters in search of adventure. As a key member of the Alliance of Lordaeron, the Kul Tiran navy dominated the seas of Azeroth with its legendary fleet. But after years of turmoil and hardship, the kingdom grew isolated and vulnerable to dark influences. Thanks to the help of brave heroes, House Proudmoore has been restored and Kul Tiras is poised to fight alongside the valiant Alliance once more."
Hazzikostas notes that in the ever-changing Ship of Theseus that is World of Warcraft, talents and level progression have been approached from many different angles. Talent points that allowed you to progressively add 1 percent to your Shadowbolt felt like filler, or certain talents were mandatory for a class to function. There were a couple of interesting choices — do I take the 21 point talent in Protection, or go for the 31 point talent in Holy?
Thanks for bringing this question to our attention. Addons and their availability are a large part of what makes WoW great. Any addon that enhances your User Interface [UI] is totally okay, however, anything that automates your character's play [you can walk away from your computer and your character is still leveling, in combat, etc] is decidedly not okay and falls under exploitation and botting. If you are concerned at all or think the particular addon/guide may fall under that second category, for your safety, I recommend you just stay away from that one as violations of the Botting/Exploitation aspect of the Terms of Use is a bannable offense. If you have any questions about what might be considered automated play, I recommend you refer to the Terms of Use and follow them to the letter. You may find those Terms here: http://us.blizzard.com/en-us/company/legal/wow_tou.html.
Level 65 unlocks Greater Invisibility. This can be used to instantly escape combat with any enemy, or reduce the damage of big hits by 90%. Keep in mind, when using Greater Invisibility, you will drop combat, and lots of enemies will start evading and healing back to full Health, so do not use this on low Health enemies if you would survive the hit.
I'd say level this toon a bit more, maybe up to 30 or so, and see how you like the experience. If you find questing just a means to an end, maybe the guide would be a good buy. Me, I generally like questing and go to an area I'm interested in, even if it's not the most level-appropriate for me or the best way to maximize my time, so those guides aren't of much interest to me for now.
The quality of captured wild pets is random. As of patch 5.1, upon entering a battle the Pet Battle UI shows the quality of a wild pet (idicated by a color-coded border around its icon). If you're farming a specific quality, if you forfeit the match your team will incur a small damage penalty (roughly 10%). There is no accurate way to determine a pet's quality prior to the start of a battle.
There are a lot of skills and spells you can train as you progress, each of which costs money. When you can afford to, you should train all the abilities that your class trainer offers. If you're completely broke, it's fine to put off upgrading abilities you rarely use for a level or two so that you can upgrade your most-used abilities. If this happens, you should ask yourself whether you are spending too much money on buying unnecessary equipment upgrades or leveling production trade skills. Be sure to save enough for class abilities and riding training before spending money on other things. This assumes you're earning money at a rate where buying skills makes a difference at all. If you have a hundred gold from two gathering professions by level 20, those skill ranks costing a fraction of a gold won't make any difference to your purse.
A dungeon should take about half an hour to 45 minutes, that is reasonable. What did we do to Maw of Souls because it was by far the fastest dungeon to spam run for AP? Nerfed its yield. Same happened to dungeons. Except instead of nerfing the XP, they adjusted the clear speed to justify the experience a bit more. Is it perfect? Nah, a lot of dungeons aren't even that long with updates. At most a clear takes 5 mins more.
When buying raw materials from the AH, keep an eye out for bargains. Choose only the cheapest items available to keep costs down. Try scanning the whole section of item listings in the AH to check prices; often the prices for stacks of items in the AH are much cheaper than individual pieces (for example, a single Thorium Bar may be priced at 3 , but a stack of 10 may actually be priced at only 2 per Thorium Bar) — you may spend more to acquire your materials, but you also save more and ensure larger profit in the long run. You can find a lot of terrific bargains this way.
Quality gear. These can be greens, rares, whatever. However, always think, "Who needs this?" Items that have stats like Stamina are typically useful to all players. Items with stats like Spirit are only useful to a subset. Items that combine two highly sought-after stats, like Stamina and Intelligence (which all casters need) will sell for more than items that combine two stats like Agility and Spirit (which practically no class needs).
I like his recommendations 2 level 1-20 zones to get to 20, then do all the 2nd zones since they are designed for walking (Horde: Northern Barrens, Silverpine Forest, Ghostlands, Azshara, & Hillsbrad Foothills if you need a little more. Alliance: Westfall, Loch Modan, Darkshore, Bloodmyst Isle, and if you need a little more Redridge Mtns, or Duskwood). Don't even bother with the higher level areas, too spread out. Finishing up a Monk now and I had done all these zones before the update, the running between quest and the 50% experience cap is driving me crazy.
If i start on a new realms, I am farming a lot of transmog from classic and Burning Crusade Dungeons and Raids. In the beginning, i start to post them if they have at least a DBRegionMarketAvg (Average value of an item on all EU realms of the last 14 days) of 500 Gold. All the other items get vendored. The time you hit a stock of 1000 Items, my value treshold raises to around 2.500 Gold. All the items below that value get vendored aswell. Newly farmed items that are above these treshold will be listed. Why? If I start over somewhere, I want to get a certain amount of gold quickly. Cheap items are great for that. Later on, to save time, Quality is better than quantity. As mentioned above, re-posting the items on the auction house takes quite a bit of time. At this point, I can recommend you the TradeSkillMaster AddOn, it makes your auction house work really a hell of a lot easier.
Go to https://www.tradeskillmaster.com/pets/compare to compare prices of different servers. I’ve done this a lot, and I’ve bought pets for a few hundred gold on a server, transferred it to my main server and sold for 10k gold and more. You also need to buy cheap pets on your main server to transfer to other servers so that you can build up a bit of gold on other servers so that you can buy pets.
The entire Jade Forst is our farming spot for this one.  Literally, the entire Jade Forest.  The Jade Forest is crawling with porqupines and if you have a mage character, each one of them has chance to drop the polymorph porqupine tome.  Which is excellent, because these tomes have a selling point of 13,000g across the board. They are really easy to get, and noone really pays attention to these spots.  Try it if you like, I was able to get 2 on video, and have already sold one of them.  

After completing your island expedition and second foothold, head back out to your third and final zone to quest in. Note that any legendaries you were using to level have become inactive and are merely stat sticks now. Feel free to replace them with quest gear as you obtain it. Before heading out, feel free to send your three champions out on new missions!
1. Signing Guild Charters-Many people will journey to Orgrimmar or Stormwind to get their new guild charters signed by alts and bank toons. This is where you can strike quick and fast without any risk of losing the investment! This is the greatest type of opportunity for any entrepreneur. I have seen anywhere from 5-20g per signature on these charters. This beats the heck out of earning that first hundred gold through mining copper or an alternative profession method. If you are on late at night, that is often times when the most people are looking to get this service done. Supply them with your signature!
I am currently working full time on my Vanilla WoW leveling guides.  Soon there will be a 1-60 speed leveling guide for Alliance, along with in-game guide versions available for my members area.  As of right now, there is no members area, but if you would like to show support for my efforts into this project, you can simply donate to me via Patreon if you like (you will get some cool rewards in return).  Or you can donate directly with PayPal if you like.  All donations are highly appreciated and they will only motivate me more to continue making the best vanilla WoW leveling guides on the web.
The most simple thing is TradeSkillMaster. This AddOn shows you quite an amount of information in the items tooltip. In my opinion, DBRegionMarketAvg the best source. It tells me the price, an item was posted on all EU realms in the last 14 days. Why not DBMarket? DBMarket only shows you the items value from your server in the last 14 days. This value often gets manipulated. Some people start to post an item with a 500g value for 500.000 Gold on the auction house for several weaks. As a consequence, DBMarket is rising towards 500.000 Gold.  If you use DBMarket with 100% and post your item for 500.000 Gold, nobody will buy it. 

Time Trials for MDI take place during a 72-hour window on the Tournament Realm. The first Time Trial window begins Saturday, March 23 at 7 a.m. PDT for MDI West (North America, Latin America, and Europe), and Saturday, March 30 at 7 a.m. CST for MDI East (China, South Korea, Southeast Asia, Taiwan and Australia/New Zealand). When this time window begins, players on the tournament realm will receive a quest with three Blizzard account-bound keystones from this Turnip, found in Hook Point (Alliance) or Mugambala (Horde).
This new farm takes advantage of the level scaling changes implemented by blizzard.  Event NPC's like the NPC's found in the twilight outpost, scale up or down depending on your level. HOWEVER, your level also determines which loot tables each mob will have.  By using a level 58 character, you can successfully loot items in the 57 – 59 item range, a range which has some of the most expensive and well sought after transmog items in the game.  In less than 30 minutes farming this spot I was able to snatch up some glorious legplates[/URL] (on video) – worth a stunning 150,000g.  Watch the video for absolute details I suppose, but the gist of it is you need to create a level 58 DK, go to the twilight camps, and start the killin'.  Unlike before, an implementation of a daily event has changed the loot tables!   This spot is the new hot thing on the block.
-PvP- Completely broken for some classes and I mean broken going from both sides of the spectrum, from classes destroying everyone, to classes that can't even kill another player. It's fairly common for a weak class to lose to a powerful class even if the weak class outgears them by 50+ ilvls. That's how broken PvP is and Blizzard doesn't seem to know what to do to fix it other than do blanket damage nerfs/buffs as those are the only changes we've seen.
The steps from section two should be utilized and repeated until you reach about 25,000 gold. Once you hit that mark, two more options become available to you, the neutral auction house and cross-realm transferring. The latter is the single most effective way of making gold, although much planning must be done prior to it. However, the smaller methods you used to hit 25,000 should still be done as regularly as before. Nobody got to the cap with only BoE epics, it takes time and patience!
The Mythic Dungeon International (MDI) is a global tournament where the top dungeon-running teams in the world use their skill, intelligence, and creativity to secure the best times possible in some of the most difficult Mythic Dungeons on offer. We are entering the first tournament of the year, the MDI Spring Season, so here’s a breakdown of what you need to know!
Well, I think, a “wall of of text” is not defined by the amount of characters. To create a wall of text you need two things: lots of characters, and lots of missing line breaks / paragraphs. I’m completely aware of that, and I’m always trying to section and format my texts in a manner that makes it usable for readers ;) I think the limit of 990 chars is not contributing to avoid walls of text. (It’s easy to build a a wall of text with only 500 chars, but I think you got what I mean…)  

Trial of Style Season 4 (March 20th - March 24th) Trial of Style is back with Season 4 starting today and Blizzard added four new Ensembles in Patch 8.1.5 which can be purchased for 60 Trial of Style Tokens each. You can queue up for the event by talking to a transmogrifier through March 24. World of Warcraft WoW Mar 20, 2019 at 17:48 by Stan 3 comments
Additional information for residents of Quebec only: The regular annual applicants of a Triangle credit card is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. No annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:
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