z****l
发帖数: 5282 | 1 大多数信用卡对purchase有grace period，并采用one-cycle billing。
假定你有一张信用卡，billing cycle是每个月1号到月底，
due date是下个月的20号，purchase的APR是12%。
比如12月10日你花了$3000，如果你在due date 1月20日之前付清的话，
就没有利息。
如果没有付清的话，比如你1月10日还了$1500还剩$1500。
假设你在1月20日又花了$2400，那么1/1-1/31这个billing cycle的
avarage daily balance是（3000*9 + 1500*10 + 3900*12）/ 31，
然后乘上你的avarage daily rate以及billing cycle的天数就是
利息$29.19。1月31日的statement上的purchase balance就是$3929.19。
如果在2月11日把1月的所有balance付清，则2月份的new purchase免利息，
只对1月份遗留的purcha |
A**X
发帖数: 34 | 2 找了半天终于找到了discover的条款
if you did not pay the new balance shown on the billing statement
you received during the previous billing period by the payment
due date, we will impose period finance charges on new
purchases that first appeared on that billing statement as
well as new purchases that first appeared on the current billing statement
UNLESS we already imposed periodic finance charges on the purchases on
y
【在 z****l 的大作中提到】
: 大多数信用卡对purchase有grace period，并采用one-cycle billing。
: 假定你有一张信用卡，billing cycle是每个月1号到月底，
: due date是下个月的20号，purchase的APR是12%。
: 比如12月10日你花了$3000，如果你在due date 1月20日之前付清的话，
: 就没有利息。
: 如果没有付清的话，比如你1月10日还了$1500还剩$1500。
: 假设你在1月20日又花了$2400，那么1/1-1/31这个billing cycle的
: avarage daily balance是（3000*9 + 1500*10 + 3900*12）/ 31，
: 然后乘上你的avarage daily rate以及billing cycle的天数就是
: 利息$29.19。1月31日的statement上的purchase balance就是$3929.19。
|
z****l
发帖数: 5282 | 3 right.
at the link
http://www.consumer-action.org/English/library/credit_cards
/1996_UnderstandingCreditCosts/index.php
You are only charged for a two-month time period in the first month
you don't pay all charges.
People who sometimes pay in full and sometimes leave a balance will pay
about the same amount under the two-cycle method
as with a "no grace period" card.
【在 A**X 的大作中提到】
: 找了半天终于找到了discover的条款
: if you did not pay the new balance shown on the billing statement
: you received during the previous billing period by the payment
: due date, we will impose period finance charges on new
: purchases that first appeared on that billing statement as
: well as new purchases that first appeared on the current billing statement
: UNLESS we already imposed periodic finance charges on the purchases on
: y
|
