Question: Ryan Bradley has a Visa Card with an introductory annual percentage rate of 9%. The unpaid balance for his February billing cycle is $245.18. During the billing cycle he purchased fresh flowers for $45.00, candy for $22.38, and gasoline for $36.53. He made a payment of $100 and had a return for credit of $74.93. If the account applies the unpaid balance method, what are the finance charge and the new balance?