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In this scenario: I am a platinum holder and let's

say I have $1000 credit line (made up of BTC for instance and not stable coins). Let's say I make a $199 purchase (below the 20%) - this will be 0% interest, right?

Let's say BTC takes a tumble and the credit line value I have now drops to $900. My $199 purchase is now over the 20% threshold, am I charged interest now?

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Yes, you will be charged interest unless you provide more collateral to maintain your LTV at 20% or lower.

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