which of the four factors directly impact your total cost of using the credit card?

The four factors that directly impact your total cost of using a credit card are the annual fee, the APR (interest rate), penalty fees (such as late payment fees), and foreign transaction fees. These fees and rates determine how much you pay for using the card, especially if you carry a balance, miss payments, or use the card internationally. The annual fee is a fixed cost for having the card, the APR affects the cost of borrowed money when balances are carried, penalty fees come into play for late or missed payments, and foreign transaction fees apply to purchases made abroad. All these factors combined influence the overall cost of credit card usage.