Re: carry balance是什么意思？ - 未名空间MITBBS历史存档

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Re: carry balance是什么意思？

Re: carry balance是什么意思？# Money - 海外理财

r*k2004-07-20 07:07

1 楼

Carry balance refers to that case that you still keep some $ that you owe your
credit card company after paying off at least the monthly minimum required
amount on your card.
It's a way for a credit card issuer to fool cardholders by saying something
like you'd get a higher rebate if you carry balance. The fact is you can get a
higher rebate but you're paying a way much higher interest. You add both
together, and then you find you're losing more $ to the card issuer.

b*b2004-07-20 07:07

2 楼

The second paragraph is not always true. Many credit card gives double rebate
when carrying a balance. With some calculations, you can see there are many
cases you can earn more rewards by carrying a balance. For example in the AMEX
blue card, if you carry small balance over from last month, and had a large
purchase at the end of the billing cycle, you are well likely to have higher
rewards. I currently have a Chase Cashbuilder cards that have 0% APR on
purchases for one year, and give 2% cash r

【在 r*****k 的大作中提到】

: Carry balance refers to that case that you still keep some $ that you owe your
: credit card company after paying off at least the monthly minimum required
: amount on your card.
: It's a way for a credit card issuer to fool cardholders by saying something
: like you'd get a higher rebate if you carry balance. The fact is you can get a
: higher rebate but you're paying a way much higher interest. You add both
: together, and then you find you're losing more $ to the card issuer.