What is the correct date format for a title page for apa?

A credit card entitles its holder to buy goods and services using short-term loans. In other words, a credit card allows a user to make purchases on credit. Let’s say Julian uses a credit card to purchase a television. When the clerk swipes the card, the bank that issued the credit card pays the store on his behalf. Julian can repay the loan to the bank in monthly installments, with interest after the first 28 days. However, if he misses a payment, he will pay a penalty in the form of fees and an increased interest rate.