Method and systems for administering a credit card account are disclosed. The method comprises defining a finance charge waiver period for each one or more debits to the credit account. For each debit, it is determined whether a finance charge waiver period associated with a debit has expired. Debits for which the finance charge waiver period has expired are added to a set of billed charges. Finance charges accrue against all debits for which finance charge waiver period has expired. Optionally, a customer may be provided with advance notice of debits for which the finance charge waiver period will soon be expiring.