When do you pay interest in a margin account with Questrade

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When you buy securities on margin, you’ll pay back the money you borrow plus interest, which varies depending on the amount of the loan. Typically, margin interest rates are lower than credit card rates and unsecured personal loans. Interest is based on an annual rate, calculated daily and charged or credited to your account midway through the following month. Interest accrues on overnight debit or credit balance and is charged or credited to your account midway through the following month. Except for registered accounts, Questrade will not automatically convert currencies for you when buying securities.
You’ll be charged interest if your amount owing is over $1.00 for the month
Margin accounts will earn interest if your amount owing is over $10.00 for the month
Registered accounts will earn interest if your amount owing is over $0.01 for the month
Balances are calculated using the average daily debit/credit balance for the interest period
https://www.questrade.com/pricing/sel...