We all know that ANAR is pretty useless. What do people do instead.
I looked at my July statement, being half way through the year: $13003 account value, $814.77 in interest, $640.96 in charge-offs, $173.81 net return.
$173.81/$13003 = 1.34% or about 2.69% annualized. Weighted Average Return 16.5%.