以下是引用pq在2007-1-24 14:58:00的发言：

以前对信用卡公司寄来得balance transfer check都不留意，看了Issis等高手的得贴子后，想学着赚点利息花花。

如意算盘如下，不知可行否:

如果我的卡有10000的credit limit，这次给我的offer是0.0%APR，no fee。我先给自己写6000的支票，存入esaving。

每月minimum payment为90，前11个月还了990，最后一次还清。结果什么利息和费用都没有。

我的esaving 的平均余额约5500，按5%的APY计，可得利息275。

这计划行吗？银行开户得promotion我都没有参加到，这次想赚点。

 

另外，如果每个月我再用这卡消费300元，我是否就还300＋90＝390元就完全避免掉利息了？我估计每月如果只还minimum due的还，消费部分还得给利息。对吧？

谢谢指点。

NO!!!!

DON'T PURCHASE ANYTHING AFTER YOU MAKE BT!!!

FOR EXAMPLE,IF YOU MAKE $2000 BT,YOU WILL PAY MIN 20+ EACH MONTH UNTIL YOU PAY OFF ALL DEBT BY THE END OF THE PROMOTION PERIOD.

IF YOU USE THE CARD TO PURCHASE UP TO $300,WHEN YOU TRY TO PAY OFF THE PURCHASING BALANCE WHICH IS NOT 0%APR,ALL YOUR PAYMENT WILL GO TO BT BALANCE FIRST.SO YOU'LL CARRY $300 BALANCE UNTIL YOU PAYOFF ALL BT BALANCE.AFTER YOU PAYOFF ALL BT,YOU CAN  PAY OFF THE $300 WITH APR

no, if your PURCHASE APR is not 0, you'll be charged high interest by doing this.

DO NOT use your card while you have BT balance and your PURCHASE APR is not 0.

the reason is: (i'm assuming your PURCHASE APR is NOT 0%, if it is, then never mind.)

your each payment goes to the LOWEST interest balance first. in your case, the 0% BT. your every payment is going to the BT balance until it is fully paid off. so, if it takes you 11 months to pay off the BT, the PURCHASE balance would have been accumulationg interest from the day you bought something using this card, to the NEXT statement closing date after your BT is paid off.

Hope this helps.

[此贴子已经被作者于2007-1-24 17:48:44编辑过]

谢谢大家的回答。我已经在同一天做了BT和买了10来刀的东西了，以后我该先来这请教然后再行动。

因为说是有 $100 gift card after first purchase，所以我在去存支票回来的路上就顺带买了点东西。看来正确的操作是，先买东西，这个月pay off the balance，然后下个月再做BT。（BT check的有效期到下月中，0% APR， No Fee)

悔呀

不过$10的purchase, 15%的 APR, 一年的利息也才$1.5，对吧，我就当用$1.5 换一个 $100的gift card 了。

正准备申请一个新的credit card，请问楼主的是哪一个？

Citi的Professional Master Card。我很不喜欢，不推荐，详情见我前面的帖子。做完BT后，我打算把它撂一边。