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Huaren
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贴子2528
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注册时间2004-11-20

justice

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[求助] how to read banking statement

695

1

2006-10-30 22:29:00

This is my citi credit card statement.  My questions is what is rate summary? why the figure in rate summary (offer 4) is different from either the new balance or the prior balance? (I highlited them)  I checked all prior statements and found the figure in rate summary is always a little bit higher than the new balance. why?

 I did a balance transfer in January, 2006 with o% APR and no transfer fee. I paid the minimun money each month.

Account Summary
 
 Previous Balance(+) Purchases
 & Advances
(-) Payments
& Credits
(+) FINANCE
CHARGE
(=) New Balance
PURCHASES$4,751.00$0.00$71.00$0.00$4,680.00
ADVANCES$0.00$0.00$0.00$0.00$0.00
TOTAL$4,751.00$0.00$71.00$0.00$4,680.00

Rate Summary
Days This Billing Period:  032
 Balance Subject to
Finance Charge
Periodic RateNominal APRANNUAL
PERCENTAGE RATE
PURCHASES
   Standard Purch$0.000.03764%(D)13.740%13.740%
   Offer 4$4,697.750.00000%(D)0.000%0.000%
ADVANCES
   Standard Adv$0.000.06367%(D)23.240%23.240%

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