"We will take the greater of the Minimum Payment Due or the Total amount Due, or a larger amount if you authorize us to, and apply the payment amount to your Account by the Payment Due Date." (7.d., effective August 18, 2012)
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I think that I just caught it. If it was written this year, at the end they have the date of '2012'.
unless that is referring to the total amount due of the monthly payment??