shuiqingqing
咨询用BOA寄来信用卡支票借钱
2817
15
2006-07-23 19:02:00
我现在处于经济拮据状态，正好BOA寄来了信用卡支票，想用它取4500美元。请大家帮忙分析一下利弊。
以下是BOA在信中部分给出的条件：
0% Promotional APR* through May 2007, Your credit line is $5000, Use checks by July 31,2006
The Cash Advance Fee for this balance transfer offer is 4% with a $10 minimum and a $90 maximum per transfer or check used. This fee will post to your account as a cash advance fee and receive a cash advance rate. Remember - this is a special, limited-time offer and does not apply to regular purchases with the card or any other cash advance transactions.
Simply write your checks to other creditors, make purchases or deposit them into your checking or savings account for extra cash. Be sure to consider fees and finance charges when using the attached checks to prevent any overlimited fees. ................
对于以上我标红字的部分，如果我借$4500, 总共需要交的费用是多少呢？
十分感谢！
补充：
* The Annual Percentage Rate for Balance Transfers processed since the date of this letter and before July 31,2006 and/or payments made prior to July 31,2006 using the enclosed checks is a fixed rate of 0% APR through your May 2007 billing cycle...
[此贴子已经被作者于2006-7-23 21:49:11编辑过]
Are you planning on paying off the $4500 prior to May 2007? Just need some more information to be able to answer your question.
是的，到那个时候一定能付清。
只是不知道这样借钱银行收取的利率是多少，会不会有其他的收费。
你好象只能付信用卡才能享受0%APR,如果直接存银行的话要以cash advance来收利息，这个ARP可就高了。
谢谢提醒，还真是如你所说只有balance transfer才能享受0%APR.
可是我还没有那么高的信用卡余额可以转。
就是急需现金，想跟银行借。通常这样借钱APR是多少呢？我的信用记录倒是一直很好。
Before I answer your question, please confirm with BOA that if you use the enclosed check and deposit $4,500 into your check account, the promotion rate will apply, not the cash advance rate.
Assuming the 0% applies and you only use one check to deposit the $4,500, the actual cost of this promotion is approximately $108 - the transaction fee of $90, compounded one year at an estimated normal APR rate of 20%. Unfortunately, your monthly payment will go towards paying off your 0% balance first, not the normal APR transaction fee.
Also, you will still need to make monthly minimum payments (anywhere from $60 - $200) to keep the good standing of the offer. Should you default on the loan, the promotional rate may be revoked by the credit card company.
这就是我的标红字的部分的疑问了。如果我借4500 ， cash advance fee will be 180, 我的问题是，那个“
with a $10 minimum and a $90 maximum per transfer or check used "怎么理解。也没有提到这是transaction fee 呀，
这个with是指两部分fee吗？还是如果我借4500,总共就是90的fee,那样10个月下来相当于2%apr也就是12月2。4%.
的确好费解。
If there is one transaction (例如只用一张支票存$4,500), cash advance fee $90 封顶是对的。That is why the offer says “The Cash Advance Fee for this balance transfer offer is 4% with a $10 minimum and a $90 maximum per transfer or check used.” No need to read too much into the word “with”, it simply explains the cash advance fee. The cash advance fee is the same as the transaction fee as I referred above. These two words can be used interchangeable in these type of offers,
如果你用了三张支票 (例如每张$1,500)，那么 cash advance fee 有可能是$180。
$108是假设 cash advance fee 封顶 $90, 加上一年中$90的利息 (大概在$18，assuming the normal cash advance APR of 20%).
Does the above explanation make sense?
谢谢Izzie，解释得太好了。
明天或者后天去银行，再把结果贴出来。
（你提到的封顶$90,如果按20% cash advance rate 会有$18利息，这样我就有一个疑问，
我能不能先单独支付了这个$90来省下这个$18利息呢？(我想如果我借了$4500，账户
上必然会有APR 为0的$4500和apr 为 20%的$90,还真不知道到时候按月付的话，会是个
怎么样的付账方法。）
[此贴子已经被作者于2006-7-24 0:06:37编辑过]
到底了
Hot Deals
All Deals