a credit card company uses the outstanding balance at the beginning of the billing cycle to compute the finance charge. as of february 1, which is the beginning of the billing cycle, you have a credit card balance of $5,000. on february 5, you pay off the entire balance and do not use the card again during the month. what will the finance charge be when you receive your bill at the end of the billing cycle ic you are charged an APR of 12%?