's side, this opportunity cost can be charged up into acount in form of" financial cost", but on bargainee's side, sometimes it cannot be charged up into account.
Paying the smallest to largest, regardless of finance charges, might not make sense mathematically, but it just might work better according to their new academic study.
Some people have to pay lots of money every month in " finance charges" because they don't have enough money to pay for the loans that they took out that month from their credit card company.