K****D
发帖数: 30533 | 1 根据前人经验总结（尤其是老马同学？），希望大家补充。
terms:
A - an MBNA card with billpay function
B - another credit card
1) MBNA + 0% APR no fee BT = no mininum payments due，同时隐藏B卡balance
要求：MBNA的CL至少大于B卡的minimum monthly payment.
Use A to pay off all BT balance on B before B's statement day;
Then BT the same amount from A to B before A's statement day.
2) MBNA + no fee BT = almost 0% APR on the balance of MBNA
要求：B卡的CL >= MBNA的CL
BT all balance from A to B near the due day of A;
Then billpay | K****D
发帖数: 30533 | 2 example:
MBNA 10K CL, B 5.5K CL.
1. B上有5k BT balance.
2. 30号之前用MBNA付清这5k.
3. 30号，B的statement出来，balance=0, no payment due.
4. 此时MBNA balance = 5k.
5. 现在用B进行BT, 也就是让B pay MBNA 5k.确保7日前到帐。
6. 到帐后, MBNA balance = 0, last payment = 5k, thank you!
7. 此时B balance = 5k.
8. 7号到了，MBNA statement出来，balance = 0, no payment due.
9. 7号过了，情况完全等同于1。
10. goto 1.
step 2有20多天时间可以处理；step 5只有7天，比较紧张。
所以最佳搭配是两者due day差15天。 |
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