The current in-game time and day are shown in the bottom-right corner of the interface. Many events are dependent on the time, but most NPCs will be available to chat all day until at least 21:00.
If your credit card has a variable APR, expect it to fluctuate for a variety of reasons. For example, if you miss a payment or your credit score has dropped, the card issuer may raise your APR. But ...
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