返回   华枫论坛 > ◆生活板块◆ > 理财投资



发表新主题 回复
 
只看楼主 主题工具
旧 Sep 25th, 2012, 12:28     #1
uml
Senior Member
级别:10 | 在线时长:152小时 | 升级还需:13小时级别:10 | 在线时长:152小时 | 升级还需:13小时
 
注册日期: Aug 2005
帖子: 525
uml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond reputeuml has a reputation beyond repute
默认 Amex寄来0%rate的空白支票

收到过几次这样的支票,但是不知道怎么用

这种支票,最多我能用多少额度?上限是我信用卡的额度吗?
如果是的话,是不是我用了支票,在我付清前,信用卡的实际可支付额度就降低了?
uml 当前离线  
回复时引用此帖
旧 Oct 17th, 2012, 16:47   只看该作者   #2
power4
强者归来
级别:11 | 在线时长:189小时 | 升级还需:3小时级别:11 | 在线时长:189小时 | 升级还需:3小时级别:11 | 在线时长:189小时 | 升级还需:3小时
 
power4 的头像
 
注册日期: Jun 2005
帖子: 415
积分:1
精华:1
声望: 951868
power4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond reputepower4 has a reputation beyond repute
默认

引用:
作者: uml 查看帖子
收到过几次这样的支票,但是不知道怎么用

这种支票,最多我能用多少额度?上限是我信用卡的额度吗?
如果是的话,是不是我用了支票,在我付清前,信用卡的实际可支付额度就降低了?
一般都有1%的费用要交,只要你用。支票的额度一般是你信用卡的额度,虽然你只要在规定日期之前还完钱就可以,但每个月还是要求有最低还款,一般3%。这种支票一般要么用来多还贷款,或者其他高额信用卡的余额。或者在现金不够的时候先用它来买大件商品,然后再分期付款还。总之,要确保自己能在规定期限之内把本金和利息都换掉,不然后面的利息就很高了。

有志者,事竟成,破釜沉舟,百二秦关终属楚
苦心人,天不负,卧薪尝胆,三千越甲可吞吴
power4 当前离线  
回复时引用此帖
旧 Oct 18th, 2012, 18:42   只看该作者   #3
XBPS2
Senior Member
级别:51 | 在线时长:2901小时 | 升级还需:11小时级别:51 | 在线时长:2901小时 | 升级还需:11小时级别:51 | 在线时长:2901小时 | 升级还需:11小时
 
注册日期: Nov 2004
帖子: 1,217
积分:2
精华:2
声望: 69630
XBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond reputeXBPS2 has a reputation beyond repute
默认 这种支票最关键的trick

是用之前一定要把卡上的balance清零,不然你每月的minimum payment只是先还低利息的部分。搜搜以前的帖子吧,讨论过。
XBPS2 当前离线  
回复时引用此帖
旧 Oct 21st, 2012, 07:32   只看该作者   #4
shenzhou6
Senior Member
级别:26 | 在线时长:822小时 | 升级还需:15小时级别:26 | 在线时长:822小时 | 升级还需:15小时
 
shenzhou6 的头像
 
注册日期: Oct 2005
帖子: 1,908
积分:1
精华:2
声望: 400786
shenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond reputeshenzhou6 has a reputation beyond repute
默认

信用卡的支票,最好少用,陷阱比较多。
shenzhou6 当前离线  
回复时引用此帖
旧 Oct 21st, 2012, 10:21   只看该作者   #5
绿萝..
Senior Member
级别:11 | 在线时长:188小时 | 升级还需:4小时级别:11 | 在线时长:188小时 | 升级还需:4小时级别:11 | 在线时长:188小时 | 升级还需:4小时
 
注册日期: Jan 2010
帖子: 929
积分:9
精华:3
声望: 365443
绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute
默认

哇,这种支票是我家拆东墙,补西墙的办法啊,好几年了,都靠它了


借0%的,还3.99%的, 比如提前还房子贷款,或者还其他利率高的LOC。。


但是,但是,但是,要注意以下事项。。


1. 把信用卡上欠的钱一定要还完。。

2. 用了这支票,再没有还这笔钱之前,一定不要用这张信用卡了,哪怕只花了1分钱,那利率就高的吓人,吓人,吓人啊。。。我第一次用这支票,不太懂,就用它买了点东西,总共不到20刀,就给我按19.99%的利率收钱啊。。。然后我就把这长卡锁起来,直到我还了支票的本金。。

3. 有的卡有1%的手续费,有的卡没有,每次我收到不同银行寄来的空白支票,我都会打电话过去,一定要弄清楚有没有别的费用后,我才用,要不化不来啊。。


基本就要注意这些了,在规则内用这样的支票,其实它能帮很大忙的。。。
绿萝.. 当前离线  
回复时引用此帖
旧 Oct 21st, 2012, 10:22   只看该作者   #6
绿萝..
Senior Member
级别:11 | 在线时长:188小时 | 升级还需:4小时级别:11 | 在线时长:188小时 | 升级还需:4小时级别:11 | 在线时长:188小时 | 升级还需:4小时
 
注册日期: Jan 2010
帖子: 929
积分:9
精华:3
声望: 365443
绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute绿萝.. has a reputation beyond repute
默认

引用:
作者: uml 查看帖子
收到过几次这样的支票,但是不知道怎么用

这种支票,最多我能用多少额度?上限是我信用卡的额度吗?
如果是的话,是不是我用了支票,在我付清前,信用卡的实际可支付额度就降低了?
付清之前,千万不要用这张信用卡啊。。。一定不要用。。锁起来吧。。


用法就是:

1. 先还完你那张信用卡上欠的钱,

2. 把你的支票填上你想借的额度,通常上限是你信用卡的额度,如果觉得少,可以试试打电话给客服,要求涨。。存上这支票,等几个工作日,就可以到账了,

3. 到账了,就可以随意支配了,提前还房子,国内急需用钱,还其他利率较高的loc,等等等等,不过,不过,不过,前提是你保证你能按时还钱,否则罚款是很迷人很感人的


做好预算,记下还款最后期限,就大胆的花吧。。在规则内用,问题不大的。。
绿萝.. 当前离线  
回复时引用此帖
旧 Nov 9th, 2012, 16:09   只看该作者   #7
antata
Senior Member
级别:5 | 在线时长:48小时 | 升级还需:12小时
 
antata 的头像
 
注册日期: Sep 2005
帖子: 712
声望: 2582657
antata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond reputeantata has a reputation beyond repute
默认

引用:
作者: 绿萝.. 查看帖子
付清之前,千万不要用这张信用卡啊。。。一定不要用。。锁起来吧。。


用法就是:

1. 先还完你那张信用卡上欠的钱,

2. 把你的支票填上你想借的额度,通常上限是你信用卡的额度,如果觉得少,可以试试打电话给客服,要求涨。。存上这支票,等几个工作日,就可以到账了,

3. ...
只要自己计算好要还的钱。。。。。。没关系的吧

antata 当前离线  
回复时引用此帖
发表新主题 回复

书签

主题工具

发帖规则
不可以发表新主题
不可以发表回复
不可以上传附件
不可以编辑自己的帖子

启用 BB 代码
论坛启用 表情符号
论坛启用 [IMG] 代码
论坛禁用 HTML 代码



所有时间均为格林尼治时间 -4。现在的时间是 12:03

请尊重文章原创者,转帖请注明来源及原作者。
凡是本站用户自行发布的任何信息,皆不代表本站的立场,
华枫网站不确保各类信息的正确性和可靠性,也不承担由此而导致的任何直接或间接损失以及任何法律责任。

Copyright © 1999-2019 Chinasmile