Turn borrowing disclosures into a cash-flow worksheet

Classify each charge

Separate interest, origination charges, annual fees, transaction fees, optional products, late fees, returned-payment fees, and default pricing. Note which charges are included in the disclosed APR and which can arise later.

For promotional offers, record the end date, balance type covered, transfer fee, and post-promotion rate.

• Amount received
• Upfront charge
• Recurring charge
• Behavior-triggered charge
• Final payoff

Reconcile to the agreement

A summary box helps discovery, but the agreement controls detailed conditions. Check rate variability, allocation of payments among balances, grace period, and how fees affect the balance.

Use examples only after the rule is understood. Small timing differences can change interest and promotional outcomes.