H********i
发帖数: 882 | 1 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
"Interest Charges on Purchases: Once you take advantage of this balance
transfer offer, you will have a new balance on your account. This means
interest will be charged on new purchases you make with your credit card,
unless you pay the entire balance (including any transferred balances) in
full each month. "
这段话是什么意思呀？难道说，如果我transfer balance后,，继续用这张卡make
purchase，每个月的new purchase会被收利息，除非我把包括transferred balance全
部都付了。那这样的话，balance transfer还有什么意义？难道我就不能再用这张卡消
费了吗？
请帮忙解惑一下哈。谢谢拉。 |
H********i
发帖数: 882 | 2 up
【在 H********i 的大作中提到】
: 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
: "Interest Charges on Purchases: Once you take advantage of this balance
: transfer offer, you will have a new balance on your account. This means
: interest will be charged on new purchases you make with your credit card,
: unless you pay the entire balance (including any transferred balances) in
: full each month. "
: 这段话是什么意思呀？难道说，如果我transfer balance后,，继续用这张卡make
: purchase，每个月的new purchase会被收利息，除非我把包括transferred balance全
: 部都付了。那这样的话，balance transfer还有什么意义？难道我就不能再用这张卡消
: 费了吗？
|
D*S
发帖数: 324 | 3 cc的apr分cash adv, bt和purchase. 利息是分别算的.
按说现在还钱应该"先算成apr高的部分", 不清楚, 因为申卡的时候有一句你是同意了
的, 类似you authorize us to allocate your payments in a way that is most
favorable for us.
所以BT后不用做purchase, 精华区有. |
H********i
发帖数: 882 | 4 谢谢回复哈。你说＂BT后不用做purchase＂。那我已经在BT后make purchase了，是不
是包括BT的balance都要收较高的利息呀？
【在 D*S 的大作中提到】
: cc的apr分cash adv, bt和purchase. 利息是分别算的.
: 按说现在还钱应该"先算成apr高的部分", 不清楚, 因为申卡的时候有一句你是同意了
: 的, 类似you authorize us to allocate your payments in a way that is most
: favorable for us.
: 所以BT后不用做purchase, 精华区有.
|
s**********g
发帖数: 14942 | 5 don't do any new purchase after balance transfer
to my understanding, you basically lose the grace period and have to pay
interest for every penny , unless u have 0APR for purchase, too
Correct me if I am wrong
usually u only get 0APR balance transfer OR 0APR purchase in a promotion. Or
both in a short period, in which case I don't think u need to worry.
ppl use balance transfer to delay their payment to the credit cards when
they have no money to pay the debt. You can transfer ur balance to a card
with lower APR to save interest.
Or u can transfer to high yield accounts to earn more money than the
interest, in which way u r making money. But this becomes less feasible in
today's market.
【在 H********i 的大作中提到】
: 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
: "Interest Charges on Purchases: Once you take advantage of this balance
: transfer offer, you will have a new balance on your account. This means
: interest will be charged on new purchases you make with your credit card,
: unless you pay the entire balance (including any transferred balances) in
: full each month. "
: 这段话是什么意思呀？难道说，如果我transfer balance后,，继续用这张卡make
: purchase，每个月的new purchase会被收利息，除非我把包括transferred balance全
: 部都付了。那这样的话，balance transfer还有什么意义？难道我就不能再用这张卡消
: 费了吗？
|
s**********g
发帖数: 14942 | 6 Ask CSR.
When u pay now, probably all payments go to ur purchase because ur purchase
would probably have a higher APR than ur transferred balance
I don't know whether the two balances are combined to calculate interest (to
my understanding it shouldn't be)
【在 H********i 的大作中提到】
: 谢谢回复哈。你说＂BT后不用做purchase＂。那我已经在BT后make purchase了，是不
: 是包括BT的balance都要收较高的利息呀？
|
D*S
发帖数: 324 | 7 no, bt部分仍然按bt的apr算. bt后的卡, 不用来purchase是因为按过去的方式, 银行
死都不会把你的payment算到purchase上(还的钱都先算还bt的/apr低的), 所以
purchase就会有利息. o8搞过一个什么"还钱先算高apr", 不知道现在有用没, 如果有
用, 才可能payment算到purchase/cash adv去. 这个要问银行了, 找个manage吧
【在 H********i 的大作中提到】
: 谢谢回复哈。你说＂BT后不用做purchase＂。那我已经在BT后make purchase了，是不
: 是包括BT的balance都要收较高的利息呀？
|
H********i
发帖数: 882 | 8 啊，我已经make new purchase了，那是不是０％APR的BT的promotion就算作废了？
哭~~~
Or
【在 s**********g 的大作中提到】
: don't do any new purchase after balance transfer
: to my understanding, you basically lose the grace period and have to pay
: interest for every penny , unless u have 0APR for purchase, too
: Correct me if I am wrong
: usually u only get 0APR balance transfer OR 0APR purchase in a promotion. Or
: both in a short period, in which case I don't think u need to worry.
: ppl use balance transfer to delay their payment to the credit cards when
: they have no money to pay the debt. You can transfer ur balance to a card
: with lower APR to save interest.
: Or u can transfer to high yield accounts to earn more money than the
|
s**********g
发帖数: 14942 | 9 我怎么记得改成先还高的了呢
那样lz还有戏
不然就哭吧。。得先把bt的都还完
【在 D*S 的大作中提到】
: no, bt部分仍然按bt的apr算. bt后的卡, 不用来purchase是因为按过去的方式, 银行
: 死都不会把你的payment算到purchase上(还的钱都先算还bt的/apr低的), 所以
: purchase就会有利息. o8搞过一个什么"还钱先算高apr", 不知道现在有用没, 如果有
: 用, 才可能payment算到purchase/cash adv去. 这个要问银行了, 找个manage吧
|
s*******l
发帖数: 3691 | 10 BT后不要做new purchase除非你还清BT，傻了吧 |
|
|
h**6
发帖数: 4160 | 11 pay minimum + new purchase + interest for next statement and you will be
fine. |
C****0
发帖数: 1118 | 12 以前确实是先还低APR的，也就是先还BT的部分。最近（一两年好像）改的先还高APR的
，所以LZ这样应该没事。不过还是应该打电话确认一下。
【在 s**********g 的大作中提到】
: 我怎么记得改成先还高的了呢
: 那样lz还有戏
: 不然就哭吧。。得先把bt的都还完
|
H********i
发帖数: 882 | 13 minimum是statement上的minimum，new purchase是purchase的全额吗？interest指的
是什么的interest？我现在是BT 0%APR，purchase是~12%APR。
【在 h**6 的大作中提到】
: pay minimum + new purchase + interest for next statement and you will be
: fine.
|
h**6
发帖数: 4160 | 14 现在的新规定是minimum首先还低APR部分，也就是balance transfer部分。
超过minimum的还款先还高APR部分，也就是new purchase部分。
另外，据说如果有balance trasnfer，自动丧失grace period，new purchase自消费起
立即计息。如果你下一个statement出来的时候已经收了利息，还需要还这部分的利息
，和账单日到还款日的利息，最好再多还一两块钱。 |
s*********t
发帖数: 16647 | 15 0 fee的bt offer少得可怜，利率又低
版上应该很少很少的人才会bt了 |
