The e-bill is produced at a certain point in time and represents a “snapshot” of your account at that moment. All charges which have not been previously billed appear as current charges. Charges that were previously billed, and still unpaid as of the statement date, are displayed at the top of the bill as one amount. Your account summary by term shows the individual charges by date and is accurate as of the moment you are accessing the information. Interest will only accrue on items that have been billed, so that if there are charges that appear on your account summary by term with a date following the last billing date, they will not be part of the balance on which the interest is calculated.