z*****b
发帖数: 68 | 1 CASE 1:
0 apr BT for 12 months, no BT fee, CL $15k, bt $10k.
假设每个月minimum payment是balance的10%.BT期间没有任何purchase.
第一个月的balance是$10k,那么第一个月的min payment是$100.
Q1:第一个月要付至少$100才能避免被charge interest,对吗?
Q2:接下来的11个月也要付>=min payment来保持不被charge interest,对吗?然后第12
个月的时候付清所有的balance.
CASE 2:
0 apr BT for 12 months, 3% BT fee;
15.5% purchase rate
CL $15k, bt $10k, 每个月有$2k的purchase.
还是假设每个月minimum payment是balance的10%.
第一个月的balance是$10k bt+$300 bt fee+$2k purchase=$12.3k
第一个月的minimum payment是$123.
Q1: 第一个月要付多少才能 | S**I
发帖数: 15689 | 2
12
basically you're right in both questions; but things are actually more
complex than you thought. BTW, 10k * 10% = 1000, not 100.
full payment to purchase + bt fee; and you got calculation wrong again.
【在 z*****b 的大作中提到】
: CASE 1:
: 0 apr BT for 12 months, no BT fee, CL $15k, bt $10k.
: 假设每个月minimum payment是balance的10%.BT期间没有任何purchase.
: 第一个月的balance是$10k,那么第一个月的min payment是$100.
: Q1:第一个月要付至少$100才能避免被charge interest,对吗?
: Q2:接下来的11个月也要付>=min payment来保持不被charge interest,对吗?然后第12
: 个月的时候付清所有的balance.
: CASE 2:
: 0 apr BT for 12 months, 3% BT fee;
: 15.5% purchase rate
| z*****b
发帖数: 68 | 3 I meant 1%. corrected.
thx
full payment to purchase + bt fee;
no protion from $10k bt part?
【在 S**I 的大作中提到】
:
: 12
: basically you're right in both questions; but things are actually more
: complex than you thought. BTW, 10k * 10% = 1000, not 100.
: full payment to purchase + bt fee; and you got calculation wrong again.
| y****i
发帖数: 17878 | 4 I would just BT $14K and be done with it
ever heard of KISS?
12
【在 z*****b 的大作中提到】
: CASE 1:
: 0 apr BT for 12 months, no BT fee, CL $15k, bt $10k.
: 假设每个月minimum payment是balance的10%.BT期间没有任何purchase.
: 第一个月的balance是$10k,那么第一个月的min payment是$100.
: Q1:第一个月要付至少$100才能避免被charge interest,对吗?
: Q2:接下来的11个月也要付>=min payment来保持不被charge interest,对吗?然后第12
: 个月的时候付清所有的balance.
: CASE 2:
: 0 apr BT for 12 months, 3% BT fee;
: 15.5% purchase rate
|
|
