Issis
[求助】内行别笑我啊：关于0%APR
1929
15
2008-07-22 22:04:00
谢谢mm的回复！！
在附赠的check上：“Important Reminder: The standard transaction fee for Check Cash Advances is 3% of each transaction. Min. $10, Max $ 75....", 这个credit limit是5000usd， 是不是这样理解：如果我给自己开张5000的ck， 要75$的手续费，在0%apr end的date前（我这张是Nov，2008）还钱就没其他charge了？----换句话说：我可以花75块的手续费从credit card里透支上限到5000的款额，但必须在nov前还？
first... NEVER EVER max out your card doing cash advance!!!
second, you need to find out which catagory the $75 fee falls into.
if it counts as CASH ADVANCE, then there won't be any interest accumulating while you pay back the cash advance amount. and remember NEVER use this card for purcase while it still has a cash advance charge on it.
if it counts as PURCHASE, then it'll accumulate interest over the life of your cash advance amount. say your purchase APR (annul percentage rate, 12 months) is 20%, you pay off your cash advance amount in 24 months (2 years), then by the end of the 24-month period while you are making payments on the cash advance amount, the $75 fee has become roughly: $75+$75x20%x2years=$105
[此贴子已经被作者于2008-7-22 22:05:23编辑过]
到底了
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