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Huaren
等级上尉
威望3
贴子2890
魅力4187
注册时间2005-08-01

treetree

只看楼主

cc cash advance

1045

4

2006-08-10 12:15:00

cc 的cash advance的利息怎么算的阿?如果我今天cash 了,周一就还上了,那么是不是就收我这几天的dpr的利息,对不对啊?这个还钱就是像平常的make payment 一样吗?没cash过,不懂。

Huaren
等级版主
威望132
贴子30141
魅力39187
注册时间2005-11-09

icyscorpio

只看他

2006-08-10 13:06:00

cash advance的APR一般会比purchase的高一些

利息的计算方法和purchase的应该是一样的吧,不过2部分是分开计算的

如果你能在这个billing cycle内,把欠款付清,cash advance这部分应该是不会有利息要交的,不过不知道有没有cash advance fee

如果超过了这个billing cycle,那就应该是按照MM理解的那样,透了几天收几天的利息

不知道我理解的对不对

Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

只看他

2006-08-10 15:21:00

Here is an article that talks about the credit card cash advances pitfalls.  My suggestion is dont use cash advances unless it's absolutely neccessary.

Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all possible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.

* Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge "flat fees" for advances. "Flat fees" are not based on the amount of the advance and, therefore, are always the same.

An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of $10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or $20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.

A few issuers do not charge any fees at all. This is very rare, though.

Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.

* Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances "Low Rate Report" for more info).

Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.

A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.

* Please be aware that any "credit card checks" that you receive in the mail are usually treated as cash advances! Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.

* Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to "make ends meet" urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the "cash advance trap" and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com's "Get Debt Relief" section for a list of helpful resources

Huaren
等级版主
威望132
贴子30141
魅力39187
注册时间2005-11-09

icyscorpio

只看他

2006-08-10 17:30:00

银行帐单背面一般会有简要的说明,怎么计算APR

LZMM也可以看一下你用的银行帐单

Huaren
等级上尉
威望3
贴子2890
魅力4187
注册时间2005-08-01

treetree

只看楼主

2006-08-10 17:34:00

谢谢楼上二位啦。
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