helen1980
关于0％APR ON PURCHASES的疑问
1083
4
2006-06-24 18:24:00
有个问题想问各位大侠，现在很多的信用卡都有这样的活动，就是0% APR ON PURCHASES TILL 某一天，那是不是我在这个某一天之前所刷的这张信用卡的钱只要在这天之前付清就可以了（每个月只要付最基本的费用就可以了），我的理解对吗？这样会对信用有什么不好吗？
Yes (ps, it is only for purchases, not for cash advance, not for checks).
Usually, you can do this: use this card for purchase, only pay minimal payment (or some more than that) each month, until the specified date. BE SURE TO pay ALL the balance off before that date.
As to credit history, carrying a balance has little affect, AS LONG AS the balance is (as a general rule) less than 30% of the card's credit limit.
Warning: be SURE to pay on time. If you miss one payment, usually the interests will be calculated from the FIRST DAY when the card has balance on it (in your case, it will be the first time you use this card after you get this card). It is NOT from the most recent missed payment day. And if you miss one payment, your 0% APY may immediately expires, and your card will have the normal APY immediately.
Correct me if I am wrong.
对
Yes (ps, it is only for purchases, not for cash advance, not for checks).
Usually, you can do this: use this card for purchase, only pay minimal payment (or some more than that) each month, until the specified date. BE SURE TO pay ALL the balance off before that date.
As to credit history, carrying a balance has little affect, AS LONG AS the balance is (as a general rule) less than 30% of the card's credit limit.
Warning: be SURE to pay on time. If you miss one payment, usually the interests will be calculated from the FIRST DAY when the card has balance on it (in your case, it will be the first time you use this card after you get this card). It is NOT from the most recent missed payment day. And if you miss one payment, your 0% APY may immediately expires, and your card will have the normal APY immediately.
Correct me if I am wrong.
really thanks for all your help!!!
到底了
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