x********u
发帖数: 1485 | 1 it's ok. i m using it now.
i use bp platinum. it has 3% rebate on BP oil, and 1% rebate on
all the purchase. Also it has all the benefit like travel insurance,
rental car insurance, purchase protection, etc.
Now i only use it. Then another good one is citibank's platinum.
it can automatically generate tempory card number, then u can use
it on buying stuffs on not very secure and small website. :D
other cards, no special. of coz, if u r in financial problem,
apply for 0%APR, otherwise, more reba | x********u
发帖数: 1485 | 2 就是说,如果你从别的信用卡转8000刀的balance到你这个新的信用卡.
那你在一定时间内,3个月到12个月不等,每个月只须交minimum payment.
不过你要记得,如果你在超出0APR期限内,不能付清你帐面上的全部balance,
即使是一天,它将按照13.99%APR给你过去几个月来重新计算利息.到时候,
你会死得很难堪.
还有,你要注意balance transfer会有hidden fee.一些一次性的百分之几
的手续费.如果这个surcharge也没有的话,而且0%APR时间比较长,9个月以上,
而且你手头比较紧,这个是不错的选择.
不过你要记得,无论任何时候你想pay钱,你首先需要付清,你transfer
过来的钱.所以,你最好不要用这张卡买东西.你可以用那张被你transfer
了balance的卡,你那里应该有许多正的credit,用那张卡买东西.
这样你就可以做到0%apr for purchase乐.
不过,你一定要记得问有没有extra service charge and other fees. |
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