Swim Speed Potions (used especially at lvl 37 for Faldir's Cove in Arathi Highlands and lvl 57 in WPL).  Try to get multiple stacks of these.  I also recommend keeping a stack of these always in your bags.  You will frequently pass rivers and lakes and can use these potions to pass them faster through out the guide.  Please note that these potions do not stack with Druid's Aquatic Form and Glyph of Aquatic Form.
Allied Races Overview Everything about Allied Races, new playable races in World of Warcraft: Battle for Azeroth, including unlock requirements for each race, Heritage Armor, customization options, and speculation when they are playable. Battle for Azeroth (110-120) Leveling Tips and Consumables How to level from 110 to 120 as quickly as possible in WoW Battle for Azeroth, including recommended zone order, best consumables, general leveling tips, and best addons. Azerite Armor Overview and FAQ Everything known about Azerite Armor and Azerite Traits in Battle for Azeroth including what Heart of Azeroth Level they unlock and how to respec them using an Azerite Reforger. The Battle for Lordaeron - Introductory Battle for Azeroth Quests This guide is an overview of the Battle for Lordaeron scenario, including a walkthrough from both Alliance and Horde points of view. Wowhead's Guide on How to Play World of Warcraft The basics of getting started in World of Warcraft as a brand-new player. Game installation, character creation, how to move, and complete your first quest.
Blizzard has published a preview of new WOW Gnome and Tauren Heritage Armor, which are coming in Rise of Azshara. Here you could see what the armor looks like and how to unlock each of them. See new Tauren & Gnome Heritage Armor It has been confirmed that two new Heritage Armor sets, one for gnomes and one for tauren, are coming in WOW Rise of Azshara content update. You could see...
Most people who have spent years playing massively multiplayer online games will tell you that there's something special about the first one you played, too—and WoW was the first for many people. You can become so swept up in the uniqueness of your first experience that you overlook many flaws. It's likely many look at WoW Classic with rose-colored glasses, just as many simply forgot which features were added when. And some of today's WoW players may be too young to have even played vanilla WoW as it once was.
Additional information for residents of Quebec only: The regular annual applicants of a Triangle credit card is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. No annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:
Blizzard has published a preview of new WOW Gnome and Tauren Heritage Armor, which are coming in Rise of Azshara. Here you could see what the armor looks like and how to unlock each of them. See new Tauren & Gnome Heritage Armor It has been confirmed that two new Heritage Armor sets, one for gnomes and one for tauren, are coming in WOW Rise of Azshara content update. You could see...
I mean, look, most vanilla WoW players are now in their late twenties and thirties. A few bucks doesn't mean much to us, and I certainly don't care about it. But it's just the way Blizzard is going about getting the money out of our pockets. There's just no reason to have a reserve name feature at all other than to get those extra few dollars from people who aren't subbed.
Blizzard has published a preview of new WOW Gnome and Tauren Heritage Armor, which are coming in Rise of Azshara. Here you could see what the armor looks like and how to unlock each of them. See new Tauren & Gnome Heritage Armor It has been confirmed that two new Heritage Armor sets, one for gnomes and one for tauren, are coming in WOW Rise of Azshara content update. You could see...
Check Item's Vendor Price before posting it on the Auction House - Selling items on the Auction House below their Vendor value is a common mistake. Avoid it like fire, and always make sure that you are not losing Gold on your Auctions. If you plan to sell an item on the AH for a price just a tiny bit higher than its Vendor value, you might be better off just vendoring the said item (this will allow you to avoid the risk of losing an Auction fee if your Item doesn't sell).
WoW Classic seeks to recreate the "vanilla WoW" experience—that is, WoW as it existed before a series of seven game-altering major expansion packs from 2007's The Burning Crusade to 2018's Battle for Azeroth. To achieve this, Blizzard has rebuilt the game based on archived data from back in 2005 and 2006 (patch 1.12 is the goalpost—the current game is on patch 8.1.5). The company has committed to meticulously presenting the experience exactly as it was back then—warts and all—with only a small number of unavoidable or critical changes.
The Horde 12-20 (Barrens + Stonetalon Mountains) guide has been rewritten and revamped.  In addition, there has been numerous tweaks to the speedrun route to make things faster and easier to follow.  Also, in case you haven't noticed I am now adding about 40% more info per step and redoing all the images.  Unlike with my previous vanilla guides, I am now giving a brief explanation of where to go and what to do with each step along with any other helpful tips.
Kaivax, a WoW forum community manager, revealed that WoW Classic's class design, battleground mechanics and stats on existing items will be set to their 1.12 state, despite the game releasing content that expands beyond that. This removes "progressive itemization," so if the stats on a specific piece of equipment was changed during the original updates, that won't take effect in this version.
Pick the Right Professions - Professions will amount to a very large portion of your Gold income if you pick the right ones. We will cover this subject in much more detail in the next section of this Guide, but here is a TL/DR version: Gathering Professions are generally better on new servers (for example, Skinning provides you with some extra money for every single Beast that you slay in the world, even if you just vendor the gathered Leather), especially if you are leveling quickly, as Crafting professions require a lot of Time and Gold investment to level up (but they get much better when you are leveling slowly and during the End-Game, because then the ability to craft some gear starts to outvalue the ability to make a quick profit).
I have played World of Warcraft and blizzard games alike since I was 10 years old, it all started back in Diablo, StarCraft and Warcraft days. I love all Blizzard releases and would be honored to be a part of the closed beta for the Classic release and will definitely be turning in my free time for World of Warcraft more as I am suuper stoked to play! FOR THE HORDE!
Learn only the Essential Skills - Learning new and upgraded Skills gets very expensive very quickly (Buying a single skill that requires level 30 will cost you 1 Gold, and a single level 40 Skill costs 2 Gold) If you buy just the essentials, you can save anywhere from 15 to 30 gold before level 40, depending on your Class. Generally, higher ranks of skills that are used for their utility effects can be skipped (these include Warrior's Harmstring, Rogue's Gouge and Kick, Mage's Frost Nova, and many other CC and utility skills and abilities). Also, don't buy any ranks of abilities that you will not use during leveling (things like Rogue's Expose Armor, Hunter's Eyes of the Beast, Warlock's Eye of Kilrogg, and so on). 

Learn only the Essential Skills - Learning new and upgraded Skills gets very expensive very quickly (Buying a single skill that requires level 30 will cost you 1 Gold, and a single level 40 Skill costs 2 Gold) If you buy just the essentials, you can save anywhere from 15 to 30 gold before level 40, depending on your Class. Generally, higher ranks of skills that are used for their utility effects can be skipped (these include Warrior's Harmstring, Rogue's Gouge and Kick, Mage's Frost Nova, and many other CC and utility skills and abilities). Also, don't buy any ranks of abilities that you will not use during leveling (things like Rogue's Expose Armor, Hunter's Eyes of the Beast, Warlock's Eye of Kilrogg, and so on).
Long-expected World of Warcraft Classic is confirmed to come in summer 2019. WOW Classic major content will be released in 6 phases, and you could learn the schedule and some information on character creation below. When is WOW Classic release date? World of Warcraft Classic is planned to release this summer on August 27, 2019. This will be a global release, and you could learn the times for each region on the...
Tyr's Hand (marked RED on the map) - One of the Scarlet Crusade's Bastions, the Tyr's Hand is located in the south-eastern part of the Eastern Plaguelands. Scarlet Crusade members that can be encountered there have a very good Loot Table. The main focus here will be the Scarlet Archmage (which is an Elite, so farming them solo might not be possible for some Classes). the Archmage drops a lot of Runecloth, ~14 Silver worth of Pocket Money on average, and most importantly, the Formula: Enchant Weapon - Crusader which is very valuable to all Enchanters and achieves really high prices on the Auction House. Mobs encountered in Tyr's Hand can be Pickpocketed, so this is a quite good spot for experienced Rogues. Recommended Level - 60 (some Classes might be required to find a Farming Partner and go in as a duo).

To celebrate World of Warcraft’s 15th anniversary, Blizzard is planning to release an authentic recreation of its early days with WoW Classic. Players will be able to explore Azeroth as it originally was before the release of WoW’s many expansion sets. Initially it’ll feature encounters like Molten Core, Onyxia and Maraudon at launch and will see more content rolled out as the game goes on (such as Alterac Valley, the Ahn’Qiraj War Effort and Naxxramas). It’s not just the world that’s reverting to its classic form either – the combat mechanics, skill trees and character models will be as they were in the original too.
Isle of Dread Chimaeras (marked BLUE on the map) - The Isle of Dread, located near the Western coast of Feralas is inhabited by very dangerous, Elite Chimaeroks and Arcane Chimaeroks. These vicious beasts are rather difficult to kill solo (unless you are a Hunter or a very skilled Mage), so bringing up a Partner might be in order. These Chimaeras drop Vendor Trash Items (Brilliant Scale and Forked Tongue), but most importantly, they are the only source of the Chimaerok Tenderloin (These are used in the Dirge's Kickin' Chimaerok Chops Cooking Recipe that creates +25 Stamina Food, which is the best Food Consumable for Tanks in Classic). The Tenderloins can be sold on the Auction House for a very good price or Cooked and sold for even better profits (we have mentioned how to get the Recipe in the Cooking Profession breakdown above). The Chimaeras can also be Skinned for Rugged Leather, Thick Leather, and Rugged Hide, so Skinning Profession will provide so additional income from this Spot. Recommended Level 60 and a team of Two, unless you are a Hunter.

I joined twitch in 2013 with the gamer name of FuriousPaul and I streamed speedruns of the classic Castlevania games from 2013 - 2017. Lately my streams have died down quite a bit due to working on Classic WoW leveling guides every day.  Although I may come on occasionally and play a random game for fun on my Twitch stream.  I talk a lot about WoW speedrunning on my channel, so feel free to follow and hang out to discuss vanilla WoW if you like.  Classic WoW will be my main focus for a long time.  Unfortunately I will have to wait until Classic WoW comes out before I start streaming it.


Most people who have spent years playing massively multiplayer online games will tell you that there's something special about the first one you played, too—and WoW was the first for many people. You can become so swept up in the uniqueness of your first experience that you overlook many flaws. It's likely many look at WoW Classic with rose-colored glasses, just as many simply forgot which features were added when. And some of today's WoW players may be too young to have even played vanilla WoW as it once was.
As you have known, official site had merged three realms into one realm two weeks ago (June 6). Light’s hope will launch new realm – Northdale this week (June 23). Official site is laying out plans for the timeline, and doing its utmost to ensure as smooth a launch as possible. Here mmogah.com will guide you to the new realm – Northdale’s timeline.
Actually, I understood perfectly, but I don't think having to be subscribed 2 weeks before go live actually matters when you're expecting to be subscribed for 6 months or more. Those are the people who will care what their name is anyways. IMO, this is more fair. I'm going to be playing this for between 6 months to a year solid at least. Other than some life changing event, I'd be shocked if that didn't happen. I'd rather compete against a smaller pool of players for my names rather than everyone on go live.
Even though the guide was developed with a hunter, the guide can be followed by any class.  Except you have to do your class's quests which aren't a whole lot.  I do have full intention to make my guide friendly with all classes in the future by listing all of their steps as well.  There will be a toggle that allows you to show which class's steps you want to see in the guide.  But this is coming later.
2. the only gear that was easily attainable sort of was the old level 60 pvp sets. if the classic servers stay locked in progression of any expansions then grinding the PvP gear for both pvp and raiding would be the top choice in casual play. "IF" they implement the LFG and LFR tools for the 16-40 man raids, heh it would be very interesting, otherwise get use to Trade chat being filled with PuG raid groups looking for people, because that was the norm back in the day.
Jadefire Betrayers, Hellcallers, and Tricksters (marked RED on the map) - These foul Satyrs infest north-western part of Felwood. Slaying them will help Druids reclaim Felwood, and provide you with a lot of Gold. These Satyrs drop a lot of Runecloth, Felcloth (the main source of income from this spot, check the AH prices), 16 Slot Bags, Vendor Trash Items, and some Pocket Money. Satyrs can be Pickpocketed, so this spot is especially good for Rogues. Recommended Level - 52+ (54+ to be extra safe, as Satyrs can be problematic because they tend to run away on low health and pull additional enemies).
Gold in World of Warcraft Classic is an integral part of the game. In this article, we will discuss the importance/role of gold in vanilla WOW and how you can obtain it easily. Gold was vastly more important in classic; it gradually became less relevant/powerful as time went on in the current version of the game. It is very tedious (but not difficult) to gain gold in vanilla, which is why many people choose to purchase gold.
Swim Speed Potions (used especially at lvl 37 for Faldir's Cove in Arathi Highlands and lvl 57 in WPL).  Try to get multiple stacks of these.  I also recommend keeping a stack of these always in your bags.  You will frequently pass rivers and lakes and can use these potions to pass them faster through out the guide.  Please note that these potions do not stack with Druid's Aquatic Form and Glyph of Aquatic Form.
WoW Classic seeks to recreate the "vanilla WoW" experience—that is, WoW as it existed before a series of seven game-altering major expansion packs from 2007's The Burning Crusade to 2018's Battle for Azeroth. To achieve this, Blizzard has rebuilt the game based on archived data from back in 2005 and 2006 (patch 1.12 is the goalpost—the current game is on patch 8.1.5). The company has committed to meticulously presenting the experience exactly as it was back then—warts and all—with only a small number of unavoidable or critical changes.
WoW: Classic is still in beta stage, so this is still unclear what final shape will the game have upon release. If any of the information above appears to be out of date or inaccurate we will try to update it as soon as possible. We will also appreciate your help with catching possible mistakes and fixing this guide for other players. If you have any feedback on it, please leave it in the comments below.
Create a Bank Alt and level it up to level 5 - The leveling part is very important because you can pick up Enchanting after you reach it. In Classic, you can disenchant EVERY uncommon item of every level, if you have the enchanting profession. Disenchanting weak BoE Uncommon Items and selling Enchanting Materials on AH will help you make some extra money out of otherwise Vendor-destined gear. The Bank Alt will also serve as your high-capacity storage for various items* that are bound to rise in value over time or might come in handy at a later date. Overall, this is a must-have, as it will improve your overall leveling and Gold-making efficiency, let you store additional items, allow you to consolidate your Gold on a single character, and provide you with a way of squeezing some extra Gold out of various Items.
Additional information for residents of Quebec only: The regular annual applicants of a Triangle credit card is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. No annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are: 

Players should keep in mind if you want to gain the full 100% XP reward from killing mobs they will need to close to your current level. With that in mind below we list each location you can grind levels 1-60 with the Mage class. The Level your character should be before you start farming in that specific location will be indicated to left in a Blue Color for Alliance [Lvl 35-39] and the Orange Color for Horde [Lvl 35-39]. The Mobs you are looking for in that specific area names are Bolded [Mob Name].
Long-expected World of Warcraft Classic is confirmed to come in summer 2019. WOW Classic major content will be released in 6 phases, and you could learn the schedule and some information on character creation below. When is WOW Classic release date? World of Warcraft Classic is planned to release this summer on August 27, 2019. This will be a global release, and you could learn the times for each region on the...
Raiditem owns a top-class raid team who has over 10 years' experience of helping WoW gamers get all the WoW items they want. At Blizzcon 2017 Blizzard unveiled their plan on the development of WoW classic vanilla server, check out the official announcement video on YouTube for more details. As the most trustworthy site, raiditem.com will offer possibly the cheapest WOW Classic items including WoW Vanilla server gold, WoW Classic mounts, WoW legacy servers boe items, and other WoW Classic server service once the Vanilla WoW server officially releases.
Learn only the Essential Skills - Learning new and upgraded Skills gets very expensive very quickly (Buying a single skill that requires level 30 will cost you 1 Gold, and a single level 40 Skill costs 2 Gold) If you buy just the essentials, you can save anywhere from 15 to 30 gold before level 40, depending on your Class. Generally, higher ranks of skills that are used for their utility effects can be skipped (these include Warrior's Harmstring, Rogue's Gouge and Kick, Mage's Frost Nova, and many other CC and utility skills and abilities). Also, don't buy any ranks of abilities that you will not use during leveling (things like Rogue's Expose Armor, Hunter's Eyes of the Beast, Warlock's Eye of Kilrogg, and so on).
Hey buddy, I think you're forgetting that wow is part of a company and it's one of their major products they've been relying on for years. You may hate BFA and all the people who are still subscribed and playing BFA, but I can assure you Blizzard doesn't think that way. Imagine you sign up to go on a brand new cruise ship. The cruise ship company has a bunch of loyal customers who have been going on their cruises for years so they let them tour the new cruise ship the day before, however they decide to let new customers go on the tour for a small fee if they want to. That's what this is like. They're giving a little kick back to all the people who have stayed subbed to wow. I haven't played wow since the middle of legion and I can totally understand why blizzard would do that. You may think classic is all that matters. Blizzard still cares very much about the BFA players.
Create a Bank Alt and level it up to level 5 - The leveling part is very important because you can pick up Enchanting after you reach it. In Classic, you can disenchant EVERY uncommon item of every level, if you have the enchanting profession. Disenchanting weak BoE Uncommon Items and selling Enchanting Materials on AH will help you make some extra money out of otherwise Vendor-destined gear. The Bank Alt will also serve as your high-capacity storage for various items* that are bound to rise in value over time or might come in handy at a later date. Overall, this is a must-have, as it will improve your overall leveling and Gold-making efficiency, let you store additional items, allow you to consolidate your Gold on a single character, and provide you with a way of squeezing some extra Gold out of various Items.
Upgrade your bags as quickly as possible - This tip is closely connected to the previous one. Upgrading your bags quickly will ensure that you spend more time grinding and less time managing your inventory, which will increase your leveling speed and allow you to make some more money in the process. Bags are expensive, so it is a good idea to look for a Tailor who will make you a set of new bags for Materials and a small fee (you will surely loot some Cloths, so this will not cost you too much). There are also some Quests that reward you with Bags:

Thalassian Base Camp (marked BLUE on the map) - Some Blood Elves have set up a camp in the northern parts of the Azshara. Blood Elf Reclaimers and Blood Elf Surveyors that can be encountered in the said camp are rather easy to kill and have very good Loot Table. The most notable items dropped by those Elves include Runecloth, Mageweave Cloth, 16 Slot Backpacks, various Vendor Trash Items (junk weapons, armor, and so on), and Pocket Money. They can also be Pickpocketed, so this spot presents an additional value for Rogues. Blood Elf Reclaimers have access to strong Fireball, Heal, and Renew Spells, so they should be interrupted when possible and prioritized. Recommended Level - 52+ (54+ to be extra safe, and farm Elves at an increased pace).
Even though the guide was developed with a hunter, the guide can be followed by any class.  Except you have to do your class's quests which aren't a whole lot.  I do have full intention to make my guide friendly with all classes in the future by listing all of their steps as well.  There will be a toggle that allows you to show which class's steps you want to see in the guide.  But this is coming later.

Isle of Dread Chimaeras (marked BLUE on the map) - The Isle of Dread, located near the Western coast of Feralas is inhabited by very dangerous, Elite Chimaeroks and Arcane Chimaeroks. These vicious beasts are rather difficult to kill solo (unless you are a Hunter or a very skilled Mage), so bringing up a Partner might be in order. These Chimaeras drop Vendor Trash Items (Brilliant Scale and Forked Tongue), but most importantly, they are the only source of the Chimaerok Tenderloin (These are used in the Dirge's Kickin' Chimaerok Chops Cooking Recipe that creates +25 Stamina Food, which is the best Food Consumable for Tanks in Classic). The Tenderloins can be sold on the Auction House for a very good price or Cooked and sold for even better profits (we have mentioned how to get the Recipe in the Cooking Profession breakdown above). The Chimaeras can also be Skinned for Rugged Leather, Thick Leather, and Rugged Hide, so Skinning Profession will provide so additional income from this Spot. Recommended Level 60 and a team of Two, unless you are a Hunter.

Long-expected World of Warcraft Classic is confirmed to come in summer 2019. WOW Classic major content will be released in 6 phases, and you could learn the schedule and some information on character creation below. When is WOW Classic release date? World of Warcraft Classic is planned to release this summer on August 27, 2019. This will be a global release, and you could learn the times for each region on the...
To celebrate World of Warcraft’s 15th anniversary, Blizzard is planning to release an authentic recreation of its early days with WoW Classic. Players will be able to explore Azeroth as it originally was before the release of WoW’s many expansion sets. Initially it’ll feature encounters like Molten Core, Onyxia and Maraudon at launch and will see more content rolled out as the game goes on (such as Alterac Valley, the Ahn’Qiraj War Effort and Naxxramas). It’s not just the world that’s reverting to its classic form either – the combat mechanics, skill trees and character models will be as they were in the original too.
Monstrous Plaguebats (market GREEN on the map) - These are larger cousins of the normal Plaguebats. They occupy northern parts of the Eastern Plaguelands and drop Vendor Trash Items (Evil Bat Eye, Bat Ear, Sleek Bat Pelt, and Large Bat Fang), Wicked Claws (used in Leatherworking and Blacksmithing Recipes), and maybe some 16 Slot Bags. These can also be skinned for Rugged Leather, Thick Leather, Thick Hide, and Rugged Hide, so Skinning  Profession is recommended for Farming them. Monstrous Plague bats have access to the Sonic Burst ability, which is a 10-second Silence, so they are not a good choice for Spellcasting Classes. Recommended Level - 56+.
So committed, in fact, that modern WoW players are trying the beta and reporting what seem like bugs today but what were actually intended functionality 13 years ago. This became such a common occurrence that Blizzard publicly posted a list of known non-issues called the "WoW Classic 'Not a Bug' List." For example, hitboxes for the Tauren player race are much larger than those of other races. In a modern game, this would be seen as a serious balance issue (see: Apex Legends). But it's what vanilla WoW was like, so it has been faithfully reproduced.
This tutorial will ensure that the beginning of your journey will be a smooth one. It provides information that will help you find your way when you get lost, as well as tips that will offer guidance and advice as you march on towards greatness. It is not an exhaustive guide, however; it neither can nor wants to unveil every secret of Azeroth to you. That glorious task is left up to you as you explore the world yourself. Think of this guide as a touchstone for your early adventures: enough to get started, but too little to spoil any of the awesome surprises that await you in Azeroth.
Whelgar's Excavation Site - This Dwarven excavation site was overrun by Raptors (Mottled Scythemaws and Mottled Razormaws). These reptiles are a great source of Medium Leather (you should have Skinning Profession if you want to farm here, as a very large portion of income that comes from this spot is acquired by Skinning Raptors). They also drop some Vendor Trash Items and Raptor Eggs (these are convenient, as a Cooking Recipe for them comes from a Quest that is located just above the Site) that can be used for Leveling up Cooking Skill. However, the best part about this spot is that both Raptor types present here drop level 19 Twink Gear (Feet of the Lynx, Sentry Cloak, Redbeard Crest, and Twisted Chanter's Staff) that will achieve astronomical prices at the later stages of the Game (drop rates are very low, so some RNG is involved, sadly). Recommended Level - 25+. 

Players should keep in mind if you want to gain the full 100% XP reward from killing mobs they will need to close to your current level. With that in mind below we list each location you can grind levels 1-60 with the Mage class. The Level your character should be before you start farming in that specific location will be indicated to left in a Blue Color for Alliance [Lvl 35-39] and the Orange Color for Horde [Lvl 35-39]. The Mobs you are looking for in that specific area names are Bolded [Mob Name].
Additional information for residents of Quebec only: The regular annual applicants of a Triangle credit card is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. No annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are: 
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