i purchased a notebook for $10500 using a credit card.i consider two repayment plans.
1. i make the minimum monthly payment of $300 offered by the credit card and no charges are applicable.
2.she make monthly payments of $900 and no other charges are applicable.
compare the above plans.which is better for me if the annual interest rate is 4%
And if i adopt plan 1 for three years and then adopt plan 2 ,totally how long would it take for me?
thank!
credit card question
2014-12-02 7:22 am
回答 (2)
2014-12-02 8:20 am
✔ 最佳答案
首先想問清楚到底你係買左個電腦 做左分期定係想自己分期?如果你一個月只找最低還款額$300 你每個月其實只係找左好少的本金,大部份都係找緊利息~一般銀行信用卡利息 年利率為18.38% 至 42.58% (即係話你一個月找$300 有效2XX都係利息,當然會息除本減) 所以係3年一定找唔哂條數
如果你用方法2,你就每月找到多D本金,但估計都要年半-2年
其實你去買電腦時有D商戶有免息分期~你可以考慮下~如果已經買左~你可以試下打去你信用卡既發卡銀行~問下佢有無簽帳分期,當然簽帳分期係需要比利息,一般係月平息0.18%-1.41%(視乎你之前的還款紀錄)
希望可以幫到你~
2014-12-02 3:51 pm
萬零銀最低還款唔使三百，三百係你自訂啫，但你欠款額唔一定係萬零文，你會繼續消費，所以條數冇得計，而係任得你計，你鐘意點還就點計，利息手續費就收硬你。最好用商戶推廣信用卡分期，咁你就有得計。
收錄日期: 2021-04-26 21:15:21
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