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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<link rel="stylesheet" href="normalize.css"/>
<link rel="stylesheet" href="dist/spectre.css">
<link rel="stylesheet" href="dist/spectre-exp.min.css">
<link rel="stylesheet" href="dist/spectre-icons.min.css">
<link rel="stylesheet" href="style.css"/>
<title>Banana Coin</title>
<!-- FONTS -->
<link rel="preconnect" href="https://fonts.gstatic.com">
<link href="https://fonts.googleapis.com/css2?family=Roboto:wght@400;700&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Nunito:wght@800&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Nunito:wght@200&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Roboto+Condensed:ital@0;1&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Roboto:wght@100&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Roboto:wght@100;300&display=swap" rel="stylesheet">
<link href="https://fonts.googleapis.com/css2?family=Schoolbell&display=swap" rel="stylesheet">
</head>
<body>
<!-- HEADER BAR -->
<div class="navbar">
<section class="navbar-center">
<h1 id="navbarTitle">Banana Coin</h1>
<a href="index.html" class="btn btn-link">Investing</a>
<a href="index.html" class="btn btn-link linkSelected">Credit Cards</a>
<a href="index.html" class="btn btn-link">Loans</a>
<a href="index.html" class="btn btn-link">Spending</a>
<a href="index.html" class="btn btn-link">Budgeting</a>
</section>
</div>
<!-- END OF HEADER BAR -->
<!-- INNER LIST
<ul class="nav">
<li class="nav-item">
<a href="#">Flexbox grid</a>
</li>
<li class="nav-item">
<a href="#">Responsive</a>
</li>
<li class="nav-item">
<a href="#">Navbar</a>
</li>
<li class="nav-item">
<a href="#">Empty states</a>
</li>
</ul> -->
<!-- NAV BAR -->
<div class="sidebar">
<progress class="progress progressBar"></progress>
<ul class="nav nav-sidebar">
<!-- parameters are value and max for the progress bar-->
<li class="nav-item active">
<a href="#intro-section">Intro</a>
</li>
<li class="nav-item"> <!--add the active class to give it the highlight-->
<a href="#why-section">Why use a credit card?</a>
</li>
<li class="nav-item">
<a href="#using-section">Using your credit card</a>
</li>
<li class="nav-item">
<a href="#paying-off-section">Paying off your credit card</a>
</li>
</ul>
</div>
<!-- END NAV BAR -->
<!-- MAIN CONTENT -->
<div class="contentBody">
<div class="container">
<!-- INTRO SECTION -->
<section id="intro-section">
<div class='columns'>
<div class='column anchor_div col-12'><a id="intro-section"></a></div>
</div>
<div class="columns intro-section">
<div class="column col-12 credit-card-header">
<h1> Credit Cards </h1>
</div>
<div class="column col-12">
<p class='credit-card-textbox'>A credit card is a card used to borrow money from a financial instituation to make transactions and pay for things.
The money that’s borrowed needs to be paid off every month. </p>
</div>
</div>
<div class="columns col-gapless">
<div class="column col-8 narrator-left">
<p class="narrator-textbox-2">WE’LL LEARN ABOUT CREDIT CARDS WITH JERRY. <br><br>
THIS IS JERRY. JERRY IS A FRESHMAN STUDYING BUSINESS AT THE UNIVERSITY OF TORONTO. JERRY WORKS PART TIME AT STARBUCKS AS A BARISTA. <br><br>
JERRY, IT’S TIME FOR YOU TO GET A CREDIT CARD!</p>
</div>
<div class="column col-4">
<figure class="crop-to-fit">
<img src="images/jerry.png" id="img-jerry" alt="jerry_with_coffee"/>
</figure>
</div>
</div>
<div class="columns">
<div class="column col-12">
<img src="images/why-credit-card.png" id="img-why-creditcard" alt="why-credit-card"/>
</div>
</div>
</section>
<!-- END OF INTRO SECTION -->
<!-- WHY USE A CREDIT CARD SECTION -->
<section id="why-section">
<div class='columns'>
<div class='column anchor_div col-12'><a id="why-section"></a></div>
</div>
<div class="columns why-section">
<div class="column col-12 credit-card-header">
<h1> Why use a credit card?</h1>
</div>
</div>
<div class="columns col-gapless">
<div class="column col-6">
<h4>1. Build Credit Score</h4>
<img src="images/mortgage-auto-loan.png" id="img-house" alt="house+car">
</div>
<div class="column col-6 text-right">
<p>
Using your credit card, you build your <span class="term-tooltip"><span class="term-highlight">credit score </span>
<span class="term-definition">
<span class="term-definition-header">Credit Score</span> <br><br>
Credit score is used by lenders to determine if you are a good candidate for a loan. <br><br>
Higher scores are better, and give you better rates and acccess to more finanical products. You can check your score from your bank.
</span>
</span> which helps to get approval for future big loans, like a mortgage or an auto loan.
</p>
</div>
</div>
<div class="columns col-gapless rewards-row">
<div class="column col-12">
<h4>2. Rewards </h4>
</div>
<div class="column col-12">
<p>Credit cards provide rewards which can come in the form of one time bonuses on signing up for the card, or accrue over time with usage. </p>
</div>
<div class="column col-4">
<img id="gif-cashback" src="images/cashback-2.gif">
<p class="gif-caption">Cashback</p>
</div>
<div class="column col-4">
<img id="gif-perks" src="images/perks.gif">
<p class="gif-caption">Perks - Discount</p>
</div>
<div class="column col-4">
<img id="gif-perks" src="images/travel-rewards_2.gif">
<p class="gif-caption">Reward Points - Travel Points</p>
</div>
<div class="column col-12">
<p> <span class='term-tooltip'><span class="term-highlight">Cashback</span>
<span class="term-definition">
<span class="term-definition-header">Cashback</span> <br><br>
Generally you can expect to receive 0-3% back in Cashback for every dollar you spend using your card.
</span>
</span>, <span class='term-tooltip'><span class="term-highlight">perks</span>
<span class="term-definition">
<span class="term-definition-header">Credit Card Perks</span> <br><br>
Perks can include discounts for stores, insurance, extended warrentees, and more.
</span>
</span> and <span class='term-tooltip'><span class="term-highlight">rewards points</span>
<span class="term-definition">
<span class="term-definition-header">Rewards Points</span> <br><br>
Examples of reward points can include Air Miles, Aeroplan, or Optimum points.
</span>
</span> are some of the ways you can get rewarded for each purchase made on your card. </p>
</div>
</div>
<div class="columns col-gapless rewards-row">
<div class="column col-6">
<h4>3. Avoid Losses from Fraud</h4>
<!-- HARDCODED: div height for text-left is kinda suss and hardcoded-->
<div class='text-left'>
<p>
Credit cards are safer than debit cards from <span class="term-tooltip"><span class="term-highlight">fraud</span>
<span class="term-definition">
<span class="term-definition-header">Credit Card Fraud</span> <br><br>
When someone steals your credit card information to make unauthorized purchases or transfers of funds.
</span>
</span>. <br><br>
When your debit card is used fraudulently, your money is instantly being taken. But when your credit card is used fraudulently, you aren’t directly losing money --
you just notify your credit card issuer of the fraud and most times, the issuer will resolve the matter.
</p>
</div>
</div>
<div class="column col-6">
<img src="images/fraud.gif" id="gif-fraud" alt="house+car">
</div>
</div>
<div class="columns col-gapless summary-row">
<div class="column col-2"></div>
<div class="column col-9">
<p class='credit-card-textbox'> <b>A bad reason to use a credit card</b> <br><br>
Don’t use a credit card to spend money you don’t have. Just because the credit card company has given you a certain <span class="term-tooltip"><span class="term-highlight">credit limit
</span>
<span class="term-definition">
<span class="term-definition-header">Credit Limit</span> <br><br>
The total amount of money that you are allowed to spend on your credit card each month.
</span>
</span>
  to spend within, doesn’t mean the money is yours. <br><br>
Make sure to spend within reason so you can pay off your entire balance each month and avoid accruing <span class="term-tooltip"><span class="term-highlight">debt</span>
<span class="term-definition">
<span class="term-definition-header">Debt</span> <br><br>
All of the money that you owe to other people or entites.
</span>
</span>. </p>
</div>
</div>
<div class="columns col-gapless summary-row">
<div class="column col-12 image-map">
<img src='images/jerry-apply-cc-map.png' id="img-jerry-apply" alt="jerry applies for a credit card"/>
<!-- HARDCODED: The absolute positioning for the gif is kinda hard coded and might look off for diff viewports, need to experiment-->
<img src='images/Untitled_Artwork 2.gif' id="gif-jerry-cc" alt="jerry with a credit card"/>
</div>
</div>
<!-- END OF WHY USE A CREDIT CARD SECTION -->
<!-- QUIZ 1 -->
<div class="quizDiv">
<div class="quizHeader">
Quiz yourself!
</div>
<div class="quizBox">
<div class="quizContents" id="q1">
Which of the below is a bad reason to get a credit card?
<br><br>
<button class="quizAnswer" id="q1-a1" onclick="answerButtonFocus(id)">
To increase your credit score.
</button>
<br>
<button class="quizAnswer" id="q1-a2" onclick="answerButtonFocus(id)">
To avoid fraud.
</button>
<br>
<button class="quizAnswer" id="q1-a3" onclick="answerButtonFocus(id)">
To get more money to spend.
</button>
<br>
<button class="quizSubmitDisabled" id="q1-submit" disabled>
Submit
</button>
</div>
</div>
</div>
<br><br>
<!-- QUIZ 1 END -->
</section>
<!-- START USING A CREDIT CARD -->
<section id="using-section">
<div class='columns'>
<div class='column anchor_div col-12'><a id="using-section"></a></div>
</div>
<div class="columns using-section">
<div class="column col-12">
<h1 id="usingYourCreditCardTitle">Using Your Credit Card</h1>
</div>
<div class="column col-5">
<br><br>
<p>
Similar to a <span class="term-tooltip"><span class="term-highlight">debit card</span>
<span class="term-definition">
<span class="term-definition-header">Debit Card</span> <br><br>
A plastic payment card that can be used instead of cash when making purchases. <br><br>
Immediatly uses funds avaiable in the linked bank account to transact purchases.
</span>
</span>, your credit card account is identified by a <span class="term-tooltip"><span class="term-highlight">unique number</span>
<span class="term-definition">
<span class="term-definition-header">Credit Card Number</span> <br><br>
The unique number present on credit cards to identify the credit account linked to the card.
</span>
</span> and a <span class="term-tooltip"><span class="term-highlight">CVV</span>
<span class="term-definition">
<span class="term-definition-header">Card Verification Value</span> <br><br>
A 3-digit number present on the back of a credit card used as an additional piece of information to verify that the card-holder is using the card.
</span>
</span> that can be used to make in-person and online transactions.
<br><br>
Credit cards are issued by different <br><span class="term-tooltip"><span class="term-highlight">card networks</span>
<span class="term-definition">
<span class="term-definition-header">Card Networks</span> <br><br>
Card networks are payment processors that help with the authorization of transactions. Examples include VISA, Mastercard, American Express and Discover.
</span>
</span> like VISA and Mastercard, and some transactions may be limited to cards issued by specific networks.
<br><br>
Credit cards should be used every month to accumulate <b>credit score</b>.
</p>
</div>
<div class="column col-7">
<img src="images/credit-cards.png" id="img-credit-cards"/>
</div>
<div class="column col-12">
<br><br>
<h2>Potential Mistakes</h2>
<br><br>
</div>
<div class="column col-6">
<img src="images/chasing-rewards.png" id="img-chasing-rewards"/>
<br><br>
<br><br>
<br>
<h4>Going Over Your Credit Limit</h4>
<br>
<p>Going over your <b>credit limit</b> can accrue <br><span class="term-tooltip"><span class="term-highlight">over limit fees</span>
<span class="term-definition">
<span class="term-definition-header">Over-limit fee</span> <br><br>
An over-limit fee is a fee charged when your balance goes over your credit limit. These fees can be quite high, so it’s best to avoid going over your credit card limit.
</span>
</span> and damage your credit score. It is best to avoid maxing out or spending anywhere near your <b>credit limit</b>.</p>
<br><br>
<br><br>
<br><br>
<img src="images/cash-advances.png" id="img-cash-advances"/>
</div>
<div class="column col-6">
<h4>Chasing Credit Card Rewards</h4>
<br>
<p>
<span class="term-tooltip"><span class="term-highlight">Credit card rewards</span>
<span class="term-definition">
<span class="term-definition-header">Credit Card Rewards</span> <br><br>
Credit cards can offer a variety of rewards. Examples include cashback, discounts and travel points / reward points.
</span>
</span> can be enticing; oftentimes, credit card issuers will offer better <b>rewards</b> for spending more money.
<br><br>
It’s important to spend appropriately based on your needs and financial situation, not to chase credit card rewards.
</p>
<br><br>
<img src="images/over-credit-limit.png" id="img-over-credit-limit"/>
<br><br>
<br><br>
<br><br>
<h4>Taking Out Cash Advances</h4>
<br>
<p>
<span class="term-tooltip"><span class="term-highlight">Cash advances</span>
<span class="term-definition">
<span class="term-definition-header">Cash Advance</span> <br><br>
A cash advance is using your credit card balance to get cash. For example, using an ATM with your credit card, or transfering money from your credit card to a savings account.
</span>
</span> have an initial fee, higher interest rates than regular credit card usage, and interest starts accruing immediately on the day of withdrawal, unlike standard credit card balances.
<br><br>
They are easy to obtain, but should only be used after careful consideration of other options.
</p>
</div>
</div>
<br><br>
<br><br>
<br><br>
<!-- QUIZ 2 -->
<div class="quizDiv">
<div class="quizHeader">
Quiz yourself!
</div>
<div class="quizBox">
<div class="quizContents" id="q2">
When does interest start incurring on your balance if the balance is not paid off fully?
<br><br>
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Debit cards use borrowed money.
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There is no difference.
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Credit cards use borrowed money.
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Submit
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<img src="images/bought-lots-of-stuff.png" id="bought-lots-of-stuff" />
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<div class="column col-7 narrator-left">
<p class="narrator-textbox-2">
YEAH JERRY, CREDIT CARDS CAN BE PRETTY USEFUL! NOW YOU'VE JUST GOT TO PAY OFF YOUR BALANCE.
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<img src="images/minimum-payment.png" id="minimum-payment" />
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<p class="narrator-textbox-2">
ACTUALLY JERRY, IT'S A BIT MORE COMPLICATED THAN THAT...
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<!-- START PAYING OFF YOUR CREDIT CARD -->
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<div class='column anchor_div col-12'><a id="paying-off-section"></a></div>
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<div class="columns paying-off-section">
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<h1 id="usingYourCreditCardTitle">Paying off your credit card</h1>
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<div class="column col-10">
<br><br>
<p>When you spend using a credit card, you’re borrowing money from your Credit Card issuer, and they will expect you to pay them back every month.
<br><br>
The issuer will send you a credit card statement that will show you a summary of your transactions during the last billing cycle, the amounts owed, and the payment deadline. Below is what a typical credit card statement would look like, and you can hover over the terms to see their definitions.
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<div class="ccStatement">
<div class="ccStatementH">
CREDIT CARD STATEMENT
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<div class="ccStatementP">
Account Number: 1111 - 2222 - 3333 - 4444
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<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Billing Cycle</span>
<span class="term-definition">
<span class="term-definition-header">Billing Cycle</span> <br><br>
The length of time between your last statement date, and your next statement date.
</span>
</span>
: November 15th, 2020 - December 14th, 2020
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<div class="leftCC">
<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Statement Balance</span>
<span class="term-definition">
<span class="term-definition-header">Statement Balance</span> <br><br>
The total amount of money you owed at the end of your last billing period. What you are responsible for paying in full in order to not be charged interest.
</span>
</span>
: $ 1400
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<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Minimum Payment</span>
<span class="term-definition">
<span class="term-definition-header">Minimum Payment</span> <br><br>
The minimum amount you need to pay off each month to stay in “good” financial standings.
</span>
</span>
: $ 10
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<div class="rightCC">
<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Credit Card Balance</span>
<span class="term-definition">
<span class="term-definition-header">Credit Card Balance</span> <br><br>
The total amount of money you owe to the issuer.
</span>
</span>
: $ 1700
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<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Payment Deadline</span>
<span class="term-definition">
<span class="term-definition-header">Payment Deadline</span> <br><br>
The last day to make a minimum or larger payment before your account is no longer in good standing.
<br><br>
This is usually 15+ days after the end of a billing cycle, and the time in between is called the <b>grace period</b>, where no interest is incurred on your balance.
</span>
</span>
: January 4th, 2021
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Transactions
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Seller
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Banana Republic
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Apple (M1 Macbook)
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<div class='leftCCTransactions'>
Date
<br>
2020-11-19
<br>
2021-12-11
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<div class='rightCC'>
Amount
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$ 100
<br>
$ 1300
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<img src="images/credit-card-statement.png" id="credit-card-statement"/>
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<h1>Check your statement balance!</h1>
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</div>
<div class="column col-5 reportTransactionContainer">
<p>Use your list of stuff that you bought this month to cross check with the statement balance. Report any transactions that are suspicious!</p>
<img src="images/stuff-i-bought-this-month.png" id="stuff-i-bought-this-month"/>
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<div class='errorsFoundCaption'>
Numbers of Errors Found:
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0/4
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<div class="reportTransactionInfoBox" id="report-1">
Report the transactions that look suspicoius!
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<div class = 'ccStatementSquare'>
<div class = 'ccStatementSquareContent'>
<div class="ccStatementH">
CREDIT CARD STATEMENT
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<div class="ccStatementP">
Account Number: 1111 - 2222 - 3333 - 4444
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<div class='ccStatementInfoSquareRows'>
<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Billing Cycle</span>
<span class="term-definition">
<span class="term-definition-header">Billing Cycle</span> <br><br>
The length of time between your last statement date, and your next statement date.
</span>
</span>
<span class="ccStatementDate">
: November 15th, 2020 - December 14th, 2020
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<div class='ccStatementInfoSquareRows'>
</span>
<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Statement Balance</span>
<span class="term-definition">
<span class="term-definition-header">Statement Balance</span> <br><br>
The total amount of money you owed at the end of your last billing period. What you are responsible for paying in full in order to not be charged interest.
</span>
</span>
: $ 1400
</div>
<div class='ccStatementInfoSquareRows'>
<span class="term-tooltip"><span class="term-highlight term-highlight-cc-statement">Payment Deadline</span>
<span class="term-definition">
<span class="term-definition-header">Payment Deadline</span> <br><br>
The last day to make a minimum or larger payment before your account is no longer in good standing.
<br><br>
This is usually 15+ days after the end of a billing cycle, and the time in between is called the <b>grace period</b>, where no interest is incurred on your balance.
</span>
</span>
: January 4th, 2021
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</div>
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<br>
<div class="ccStatementTransactions">
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Transactions
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<div class='trasactionContent'>
<div class="leftCC">
Transaction title
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Amount
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Date
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<div class="leftCCTransactionsSquare">
Banana Republic <br>
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$ 74.59 <br>
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Dec 9
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<div class="report" id="banana-republic-1" onclick="reportTransaction(id)">
Report
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<div class='ccTransaction'>
<div class="leftCCTransactionsSquare">
Banana Republic <br>
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<div class="middleCCTransactionsSquare">
$ 74.59 <br>
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<div class="rightCCSquare">
Dec 9
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<div class="report" id="banana-republic-2" onclick="reportTransaction(id)">
Report
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<div class='ccTransaction'>
<div class="leftCCTransactionsSquare">
No Frills Grocery <br>
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<div class="middleCCTransactionsSquare">
$ 50 <br>
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<div class="rightCCSquare">
Dec 11
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<div class="report" id="nofrills" onclick="reportTransaction(id)">
Report
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<div class='nothingSuspiciousInfo'>
Nothing suspicious here!
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<div class='ccTransaction'>
<div class="leftCCTransactionsSquare">
Netflix Co. <br>
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<div class="middleCCTransactionsSquare">
$ 16.99<br>
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<div class="rightCCSquare">
Dec 13
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<div class="report" id="netflix" onclick="reportTransaction(id)">
Report
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<div class='ccTransaction'>
<div class="leftCCTransactionsSquare">
eTransfer to Nigerian-Prince <br>
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<div class="middleCCTransactionsSquare">
$ 400<br>
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<div class="rightCCSquare">
Dec 14
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<div class="report" id="nigerian-prince" onclick="reportTransaction(id)">
Report
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<div class='ccTransaction'>
<div class="leftCCTransactionsSquare">
IKEA<br>
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<div class="middleCCTransactionsSquare">
$ 122<br>
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<div class="rightCCSquare">
Dec 14
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<div class="report" id="ikea" onclick="reportTransaction(id)">
Report
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<div class="column col-6">
<br><br>
<br><br>
<p>
To avoid interest and build your credit score you should pay off your full statement balance every month before your grace period is over.
<br><br>
This way, you’ll never be charged any interest, and can still incur all of the benefits of using a credit card.
</p>
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<br>
<h2>Potential Mistakes</h2>
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<h4>Paying Only the Minimum Payment</h3>
<p>
Many people make the assumption that paying only the minimum payment will let them get off scot-free, but this is not the case. You will still accrue debt interest on the rest of the unpaid bill.
<br><br>
Paying the minimum payment is just to keep your account in <span class="term-tooltip"><span class="term-highlight">good standing</span>
<span class="term-definition">
<span class="term-definition-header">Good Standing</span> <br><br>
A credit card account is considered to be in good standing if you at the very least make the minimum payments month after month before the deadline. <br><br>
Losing this status can cause extra interest payments, lose of rewards, and/or a hit to your credit score.
</span>
</span> with the card issuer.
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<img src="images/minimum-payment-race.png" id="minimum-payment-race"/>
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<img src="images/review-billing-statement.png" id="review-billing-statement"/>
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<br><br>
<h4>Reviewing Your Billing Statement</h4>
<p>
Before you pay your credit card balance, make sure to check that the transactions recorded on your billing statement match up with the purchases you made.
<br><br>
Sometimes vendors may accidentally double charge you, or canceled transactions may still charge your account; habitually reviewing your billing statement helps you prevent these unauthorized charges.
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<!-- WHEN DO I PAY OFF MY CARD SECTION -->
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<h1>When do I pay off my card?</h1>
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<p>There are many different balances on your statement - when it comes to the payment deadline, which one are you supposed to pay? Experiment below to find out!</p>
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<img src="images/billing-cycle-timeline.png" id="billing-cycle-timeline"/>
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<p class="nunitoH">Your January Statement</p>
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<p class="nunitoH">Make a Payment</p>
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<div class="januaryStatementDiv">
<div class="januaryStatement">
<div class="januaryStatementContents">
<div class="balanceDiv">
<div class="nunitoP">Current Statement Balance</div>
<div class="amounts" id="billing-cycle-statement-balance">$45</div>
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<div class="balanceDiv">
<div class="nunitoP">Current Account Balance</div>
<div class="amounts" id="billing-cycle-account-balance">$100</div>
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<div class="januaryStatementContents">
<div class="balanceDiv">
<div class="nunitoPBottom">Minimum Payment</div>
<div class="amounts" id="billing-cycle-min-payment">$10</div>
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<div class="balanceDivInterest">
<div class="nunitoPBottom">Interest Owed</div>
<div class="amounts" id="billing-cycle-interest-owed">$10</div>
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</div>
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<div class="column col-3">
<div class="paymentButton" id="pay-account-balance" onclick="payBalance(id)">
<div class="nunitoPButton">Pay Account Balance</div>
<div class="amountsButton">$100</div>
</div >
<div class="paymentButton" id="pay-statement-balance" onclick="payBalance(id)">
<div class="nunitoPButton">Pay Statement Balance</div>
<div class="amountsButton">$45</div>
</div >
<div class="paymentButton" id="pay-min-balance" onclick="payBalance(id)">
<div class="nunitoPButton">Pay Minimum Balance</div>
<div class="amountsButton">$10</div>
</div >
<div class="paymentButton" id="pay-no-payment" onclick="payBalance(id)">
<div class="nunitoPButton">No Payment</div>
<div class="amountsButton">$0</div>
</div>
</div>
<div class="column col-5">