H*i
2 楼
我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
"Interest Charges on Purchases: Once you take advantage of this balance
transfer offer, you will have a new balance on your account. This means
interest will be charged on new purchases you make with your credit card,
unless you pay the entire balance (including any transferred balances) in
full each month. "
这段话是什么意思呀?难道说,如果我transfer balance后,,继续用这张卡make
purchase,每个月的new purchase会被收利息,除非我把包括transferred balance全
部都付了。那这样的话,balance transfer还有什么意义?难道我就不能再用这张卡消
费了吗?
请帮忙解惑一下哈。谢谢拉。
"Interest Charges on Purchases: Once you take advantage of this balance
transfer offer, you will have a new balance on your account. This means
interest will be charged on new purchases you make with your credit card,
unless you pay the entire balance (including any transferred balances) in
full each month. "
这段话是什么意思呀?难道说,如果我transfer balance后,,继续用这张卡make
purchase,每个月的new purchase会被收利息,除非我把包括transferred balance全
部都付了。那这样的话,balance transfer还有什么意义?难道我就不能再用这张卡消
费了吗?
请帮忙解惑一下哈。谢谢拉。
t*g
3 楼
H*i
5 楼
up
【在 H********i 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
: "Interest Charges on Purchases: Once you take advantage of this balance
: transfer offer, you will have a new balance on your account. This means
: interest will be charged on new purchases you make with your credit card,
: unless you pay the entire balance (including any transferred balances) in
: full each month. "
: 这段话是什么意思呀?难道说,如果我transfer balance后,,继续用这张卡make
: purchase,每个月的new purchase会被收利息,除非我把包括transferred balance全
: 部都付了。那这样的话,balance transfer还有什么意义?难道我就不能再用这张卡消
: 费了吗?
【在 H********i 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
: "Interest Charges on Purchases: Once you take advantage of this balance
: transfer offer, you will have a new balance on your account. This means
: interest will be charged on new purchases you make with your credit card,
: unless you pay the entire balance (including any transferred balances) in
: full each month. "
: 这段话是什么意思呀?难道说,如果我transfer balance后,,继续用这张卡make
: purchase,每个月的new purchase会被收利息,除非我把包括transferred balance全
: 部都付了。那这样的话,balance transfer还有什么意义?难道我就不能再用这张卡消
: 费了吗?
S*a
6 楼
o(︶︿︶)o
。。。。。。。。。
。。。。。。。。。
r*m
7 楼
编程牛还是王道,口语好就锦上添花呗
D*S
8 楼
cc的apr分cash adv, bt和purchase. 利息是分别算的.
按说现在还钱应该"先算成apr高的部分", 不清楚, 因为申卡的时候有一句你是同意了
的, 类似you authorize us to allocate your payments in a way that is most
favorable for us.
所以BT后不用做purchase, 精华区有.
按说现在还钱应该"先算成apr高的部分", 不清楚, 因为申卡的时候有一句你是同意了
的, 类似you authorize us to allocate your payments in a way that is most
favorable for us.
所以BT后不用做purchase, 精华区有.
v*9
9 楼
lz的问题仅限于靠编程吃饭的人吧。。。。
y*g
11 楼
当然是口语,口语好直接作其他工作。
s*g
12 楼
don't do any new purchase after balance transfer
to my understanding, you basically lose the grace period and have to pay
interest for every penny , unless u have 0APR for purchase, too
Correct me if I am wrong
usually u only get 0APR balance transfer OR 0APR purchase in a promotion. Or
both in a short period, in which case I don't think u need to worry.
ppl use balance transfer to delay their payment to the credit cards when
they have no money to pay the debt. You can transfer ur balance to a card
with lower APR to save interest.
Or u can transfer to high yield accounts to earn more money than the
interest, in which way u r making money. But this becomes less feasible in
today's market.
【在 H********i 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
: "Interest Charges on Purchases: Once you take advantage of this balance
: transfer offer, you will have a new balance on your account. This means
: interest will be charged on new purchases you make with your credit card,
: unless you pay the entire balance (including any transferred balances) in
: full each month. "
: 这段话是什么意思呀?难道说,如果我transfer balance后,,继续用这张卡make
: purchase,每个月的new purchase会被收利息,除非我把包括transferred balance全
: 部都付了。那这样的话,balance transfer还有什么意义?难道我就不能再用这张卡消
: 费了吗?
to my understanding, you basically lose the grace period and have to pay
interest for every penny , unless u have 0APR for purchase, too
Correct me if I am wrong
usually u only get 0APR balance transfer OR 0APR purchase in a promotion. Or
both in a short period, in which case I don't think u need to worry.
ppl use balance transfer to delay their payment to the credit cards when
they have no money to pay the debt. You can transfer ur balance to a card
with lower APR to save interest.
Or u can transfer to high yield accounts to earn more money than the
interest, in which way u r making money. But this becomes less feasible in
today's market.
【在 H********i 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 我有一张信用卡有balance transfer的offer.我在transfer的时候看到terms里写到:
: "Interest Charges on Purchases: Once you take advantage of this balance
: transfer offer, you will have a new balance on your account. This means
: interest will be charged on new purchases you make with your credit card,
: unless you pay the entire balance (including any transferred balances) in
: full each month. "
: 这段话是什么意思呀?难道说,如果我transfer balance后,,继续用这张卡make
: purchase,每个月的new purchase会被收利息,除非我把包括transferred balance全
: 部都付了。那这样的话,balance transfer还有什么意义?难道我就不能再用这张卡消
: 费了吗?
s*g
14 楼
Ask CSR.
When u pay now, probably all payments go to ur purchase because ur purchase
would probably have a higher APR than ur transferred balance
I don't know whether the two balances are combined to calculate interest (to
my understanding it shouldn't be)
【在 H********i 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 谢谢回复哈。你说"BT后不用做purchase"。那我已经在BT后make purchase了,是不
: 是包括BT的balance都要收较高的利息呀?
When u pay now, probably all payments go to ur purchase because ur purchase
would probably have a higher APR than ur transferred balance
I don't know whether the two balances are combined to calculate interest (to
my understanding it shouldn't be)
【在 H********i 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 谢谢回复哈。你说"BT后不用做purchase"。那我已经在BT后make purchase了,是不
: 是包括BT的balance都要收较高的利息呀?
l*b
15 楼
口语这个比较宽泛。口语好是说发音没有口音,用语地道,还是沟通能力强?
如果是沟通能力强,那最重要不过。干什么程序员呀。
如果是沟通能力强,那最重要不过。干什么程序员呀。
D*S
16 楼
H*i
18 楼
啊,我已经make new purchase了,那是不是0%APR的BT的promotion就算作废了?
哭~~~
Or
【在 s**********g 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: don't do any new purchase after balance transfer
: to my understanding, you basically lose the grace period and have to pay
: interest for every penny , unless u have 0APR for purchase, too
: Correct me if I am wrong
: usually u only get 0APR balance transfer OR 0APR purchase in a promotion. Or
: both in a short period, in which case I don't think u need to worry.
: ppl use balance transfer to delay their payment to the credit cards when
: they have no money to pay the debt. You can transfer ur balance to a card
: with lower APR to save interest.
: Or u can transfer to high yield accounts to earn more money than the
哭~~~
Or
【在 s**********g 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: don't do any new purchase after balance transfer
: to my understanding, you basically lose the grace period and have to pay
: interest for every penny , unless u have 0APR for purchase, too
: Correct me if I am wrong
: usually u only get 0APR balance transfer OR 0APR purchase in a promotion. Or
: both in a short period, in which case I don't think u need to worry.
: ppl use balance transfer to delay their payment to the credit cards when
: they have no money to pay the debt. You can transfer ur balance to a card
: with lower APR to save interest.
: Or u can transfer to high yield accounts to earn more money than the
n*k
21 楼
没有别的意思,你哪个不好哪个就重要,木桶原理。
s*l
22 楼
BT后不要做new purchase除非你还清BT,傻了吧
h*6
24 楼
pay minimum + new purchase + interest for next statement and you will be
fine.
fine.
h*e
29 楼
初期编程重要,后期口语重要。口音关系不大,但是要能讲清楚。
h*6
30 楼
现在的新规定是minimum首先还低APR部分,也就是balance transfer部分。
超过minimum的还款先还高APR部分,也就是new purchase部分。
另外,据说如果有balance trasnfer,自动丧失grace period,new purchase自消费起
立即计息。如果你下一个statement出来的时候已经收了利息,还需要还这部分的利息
,和账单日到还款日的利息,最好再多还一两块钱。
超过minimum的还款先还高APR部分,也就是new purchase部分。
另外,据说如果有balance trasnfer,自动丧失grace period,new purchase自消费起
立即计息。如果你下一个statement出来的时候已经收了利息,还需要还这部分的利息
,和账单日到还款日的利息,最好再多还一两块钱。
r*g
31 楼
脑子清楚最重要
s*t
32 楼
0 fee的bt offer少得可怜,利率又低
版上应该很少很少的人才会bt了
版上应该很少很少的人才会bt了
a*s
33 楼
如果只是当个高级码工,挣个10万左右的年薪,口语真的不重要。
如果要当principal码工,chief码工,或者走管理路线,那口语是越来越重要太重要了。
如果要当principal码工,chief码工,或者走管理路线,那口语是越来越重要太重要了。
s*g
35 楼
当然是后者重要,美国人哪个不比你口语好,要你来干嘛。。。
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