信用卡公司寄来的0% APR支票

有人用过吗？ 是不是deposit的时候收3%的手续费，只要在0 APR到期之前还完就没有其他任何费用？

每个月要还minimum payment,然后到期前还掉没有其他费用

3%并不好 可以考虑开新的信用卡 有些有0 apr的offer 而且没有3%手续费

每个月要还minimum payment,然后到期前还掉没有其他费用
shinesee 发表于 2023-04-14 14:25

这个minimum payment是deposit的支票额度的最低还款额吗？ 还是我额外花了信用卡的钱的每月最低还款额？

3%并不好 可以考虑开新的信用卡 有些有0 apr的offer 而且没有3%手续费
julie2020 发表于 2023-04-14 14:29

最近有这样的信用卡吗？要开一张，借点钱交税😢

搭楼问一下，0apr那种卡只还min payment 会扣信用分吗？ 如果没啥影响的话，欠钱一年多不还，然后拿去存定期买国债都划算啊。

这个minimum payment是deposit的支票额度的最低还款额吗？ 还是我额外花了信用卡的钱的每月最低还款额？
kakababy666 发表于 2023-04-14 14:39

read the term and conditions carefully. One thing banks do is giving you a 0 APR balance transfer deal on your CC but once your new charge goes onto the card, your payments will pay off the 0 APR first so your new charges ends up with 20+% interest rate.
what you have is not a good deal. I had done 0 % no fee for balance transfer checks that can be directly deposit to bank. 100K 18 month term granted it was many years ago.

read the term and conditions carefully. One thing banks do is giving you a 0 APR balance transfer deal on your CC but once your new charge goes onto the card, your payments will pay off the 0 APR first so your new charges ends up with 20+% interest rate.
what you have is not a good deal. I had done 0 % no fee for balance transfer checks that can be directly deposit to bank. 100K 18 month term granted it was many years ago.
yolandos 发表于 2023-04-14 14:43

这么说的话还是开卡0APR的那种划算，存支票后还清之前就不要用那张卡了？

嗯，一定不要忘了付每月minimum payment.

这么说的话还是开卡0APR的那种划算，存支票后还清之前就不要用那张卡了？
kakababy666 发表于 2023-04-14 14:49

if that''s what your agreed to the bank then yes don''t use your card for new purchase. Think about it, you owe the bank, why would they let you pay off the higher rate balance first? read the small prints and do your own math

除非没办法，还是不要沾这种小便宜了。一次失误就把你所有的便宜都吐回去了

除非没办法，还是不要沾这种小便宜了。一次失误就把你所有的便宜都吐回去了
multiplelife 发表于 2023-04-14 15:01

It is not even a deal (i.e. 小便宜). 3% fee up front that's with after-tax money and whatever you do with the bank money aka earnings are before tax so unless you have 0% marginal tax rate one likely will be losing money on the transaction.

这个minimum payment是deposit的支票额度的最低还款额吗？ 还是我额外花了信用卡的钱的每月最低还款额？
kakababy666 发表于 2023-04-14 14:39

有balance transfer的话最好还完之后别用这张卡。

搭楼问一下，0apr那种卡只还min payment 会扣信用分吗？ 如果没啥影响的话，欠钱一年多不还，然后拿去存定期买国债都划算啊。
crazyeater 发表于 2023-04-14 14:42

会影响utilization rate，所以分数会降低

信用卡欠得不多就算了。因为就像前面讲的有transfer fee。你可以自己算一下，大概几个月内还完，算上利息还是3%合算就转，差不多就别弄了。我每次收到这种支票都直接撕掉扔垃圾桶

交3%的费，把钱存到4.5%利息的银行里！

就一次性3%没其他费用了，不过记住每月付minimum, 到期前把余额还清.