m**********j
发帖数: 610 | 1 比如说本月的due date当天和提前10天还，应付的总利息有区别吗？ | z**t
发帖数: 378 | 2
no.
【在 m**********j 的大作中提到】
: 比如说本月的due date当天和提前10天还，应付的总利息有区别吗？
| s*********3
发帖数: 2890 | 3 木区别。不过，你坚持每月早点付，譬如说每个月的2，3号就去付，长期下来可以提高
一些你的信用分数。反正咱老中大概不会pay check by pay check吧。
【在 m**********j 的大作中提到】
: 比如说本月的due date当天和提前10天还，应付的总利息有区别吗？
| d****e
发帖数: 768 | 4 这是什么道理？我一向是scheule到15号
【在 s*********3 的大作中提到】
: 木区别。不过，你坚持每月早点付，譬如说每个月的2，3号就去付，长期下来可以提高
: 一些你的信用分数。反正咱老中大概不会pay check by pay check吧。
| s*********3
发帖数: 2890 | 5 Schedule到15号是紧了一点。 What happened is credit bureaus will pull your
date every month (or your creditor will report to them every month), you don
't know which date it will be. Say every 10th, at that moment your mortgage
payment for that month is due / outstanding, so your total debt ratio is a
little bit high, right? That will be one of the factor lower your FICO. If
you pay your mortgage every 2nd or 3rd, at that moment your mortgage
payment for that month is paid / current, so your total debt ratio is a
little bit low, right? That will be one of the factor higher your FICO. If
your FICO is already high, like 780 or about. Probably it won't affect you
anything. BUT, if your FICO is at 680, 720 edge, adding 20 points will make
you a big difference.
Same thing for any other credit card payment, car loan, student loan, etc.
结论是： pay any your debt due early during the grace period, it will help
your FICO. It might take 6~12 months to be effect.
【在 d****e 的大作中提到】
: 这是什么道理？我一向是scheule到15号
| T****L
发帖数: 1203 | 6 没区别，利息是时间的函数，只有过了这一天才产生这一天的利率，所以利息是倒过来
付的，提前还相当于把将来该还的利息还了，不建议这样做，除非额外付本金。
【在 m**********j 的大作中提到】
: 比如说本月的due date当天和提前10天还，应付的总利息有区别吗？
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