30.41%
Explanation
Step 1
find the interest for the 12 days
[tex]\begin{gathered} 650\Rightarrow100\text{ percent} \\ 30\Rightarrow x \\ \frac{650}{100}=\frac{30}{x} \\ \\ 650\cdot x=30\cdot100 \\ x=\frac{3000}{650} \\ x=4.61\text{ \% } \end{gathered}[/tex]it means will pay a rate of 4.61% in 12 days
Step 2
we have the interest for 12 days, if we treat the fee as interest paid, the annual interest rate is
[tex]\begin{gathered} \text{Interest rate=365days/12days} \\ \text{Interest rate=30.41 \% } \end{gathered}[/tex]I hope this helps you
