{"id":1483,"date":"2016-08-03T12:18:49","date_gmt":"2016-08-03T16:18:49","guid":{"rendered":"http:\/\/yibababa.com\/?p=1483"},"modified":"2016-08-03T12:18:49","modified_gmt":"2016-08-03T16:18:49","slug":"%e7%be%8e%e5%9b%bd%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%b8%b8%e8%a7%81%e6%9c%af%e8%af%ad%e5%b0%8f%e7%9f%a5%e8%af%86","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/1483","title":{"rendered":"\u7f8e\u56fd\u4fe1\u7528\u5361\u5e38\u89c1\u672f\u8bed\u5c0f\u77e5\u8bc6"},"content":{"rendered":"<p>\u521d\u5230\u7f8e\u56fd\u4f7f\u7528\u4fe1\u7528\u5361\u7684\u65b0\u624b\u7ecf\u5e38\u88ab\u4e00\u4e9b\u7f8e\u56fd\u4fe1\u7528\u5361\u672f\u8bed\u641e\u5f97\u4e00\u5934\u96fe\u6c34\u3002\u5176\u5b9e\u4e0d\u6b62\u662f\u65b0\u624b\uff0c\u5f88\u591a\u4f7f\u7528\u4e86\u4fe1\u7528\u5361\u591a\u5e74\u7684\u670b\u53cb\u4eec\u5bf9\u5f88\u591a\u672f\u8bed\u4e5f\u53ea\u662f\u4e00\u77e5\u534a\u89e3\u3002\u4e0b\u9762\u5c31\u628a\u8fd9\u4e9b\u8ba9\u4eba\u5934\u75bc\u7684\u672f\u8bed\u4ecb\u7ecd\u4e00\u4e0b\uff0c\u8ba9\u5927\u5bb6\u5728\u7f8e\u56fd\u4fe1\u7528\u5361\u4f7f\u7528\u65f6\u65f6\u66f4\u52a0\u6e38\u5203\u6709\u4f59\u3002<\/p>\n<p><a href=\"http:\/\/refer.discover.com\/s\/lay4q\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1484\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/08\/1.png\" alt=\"1\" width=\"601\" height=\"189\" \/><\/a><\/p>\n<p><strong>APR<\/strong><\/p>\n<p>Annual percentage rate\uff0c\u5e74\u5229\u7387\u3002\u8fd9\u4e2a\u662f\u5728\u4f7f\u7528\u4fe1\u7528\u5361\u65f6\u6700\u5e38\u89c1\u7684\u4e00\u4e2a\u672f\u8bed\uff0c\u8bf4\u767d\u4e86\u5c31\u662f\u4f60\u6b20\u94b1\u7684\u8bdd\u9664\u4e86\u8fd8\u672c\u91d1\u8fd8\u8981\u8fd8\u5229\u606f\uff0c\u800c\u8fd9\u4e2a\u5e74\u5229\u7387\u5219\u51b3\u5b9a\u4e86\u4f60\u8fd8\u591a\u5c11\u5229\u606f\u3002\u4f46\u8bf7\u6ce8\u610f\uff0c\u8fd9\u4e2a\u5229\u7387\u662f<strong>\u5e74\u5229\u7387<\/strong>\uff0c\u4e3e\u4e2a\u7b80\u5355\u7684\u4f8b\u5b50\u544a\u8bc9\u5927\u5bb6\u5e94\u8be5\u5982\u4f55\u901a\u8fc7APR\u6765\u8ba1\u7b97\u5229\u606f\u3002\u5047\u8bbe\u4f60\u6709\u4e00\u5f20APR 18%\u7684\u4fe1\u7528\u5361\uff0c\u90a3\u4e48\u4f60\u7684\u6708\u5229\u7387\u5c31\u662f18%\/12=1.5%\u3002\u5982\u679c\u4f60\u7684\u8fd9\u5f20\u4fe1\u7528\u5361\u4e0a\u6b20\u4e86$1,000\uff0c<strong>\u8fc7\u4e86\u8fd8\u6b3e\u65e5<\/strong>\u4e00\u4e2a\u6708\u4f60\u8fd8\u6ca1\u6709\u8fd8\u8fd9\u7b14\u94b1\uff0c\u90a3\u4e48\u4f60\u5728\u8fd9\u4e2a\u6708\u9700\u8981\u652f\u4ed8\u5229\u606f$1000&#215;1.5%=$15\u3002<\/p>\n<p>\u4f46\u662f\u8bf7\u6ce8\u610f\uff0c\u5728\u4f7f\u7528\u4fe1\u7528\u5361\u65f6\u4e0d\u4ec5\u4ec5\u6b20\u6b3e\u9700\u8981\u652f\u4ed8\u5229\u606f\uff0c\u5f88\u591a\u5176\u4ed6\u64cd\u4f5c\u5982Balance transfer\u3001Cash Advance\u7b49\u90fd\u9700\u8981\u652f\u4ed8\u5229\u606f\uff0c\u8fd9\u4e9b\u5229\u606f\u7684APR\u4e00\u822c\u662f\u4e0d\u4e00\u6837\u7684\uff0c\u4e00\u5b9a\u8981\u4ed4\u7ec6\u9605\u8bfb\u4fe1\u7528\u5361\u7684\u76f8\u5173\u6761\u6b3e\u3002<\/p>\n<p><strong>Balance Transfer<\/strong><\/p>\n<p>\u4e2d\u6587\u53ef\u7ffb\u8bd1\u4e3a<strong>\u4fe1\u7528\u5361\u6b20\u6b3e\u4f59\u989d\u4ee3\u8fd8<\/strong>\u3002\u5176\u5b9e\u8fd9\u4e2a\u7ffb\u8bd1\u5e76\u4e0d\u91cd\u8981\uff0c\u5173\u952e\u662f\u8fd9\u4e2aBalance Transfer \u5230\u5e95\u662f\u6307\u4ec0\u4e48\u3002\u7b80\u5355\u7684\u8bf4\uff0c\u662f\u6307\u628a\u5728\u4fe1\u7528\u5361 A\u4e0a\u7684\u6b20\u6b3e (balance) \u8f6c\u5230\u4fe1\u7528\u5361 B\u4e0a\u3002\u8fd8\u662f\u4e0d\u660e\u767d\uff1f\u4e3e\u4f8b\u8bf4\u660e\u3002\u6bd4\u5982\u4f60\u7684\u4fe1\u7528\u5361 A\u4e0a\u73b0\u5728\u7684\u6b20\u6b3e Balance \u4e3a$5,000\uff0c\u800c\u4f60\u4fe1\u7528\u5361 B\u8fd8\u81f3\u5c11\u6709$5,000\u7684Credit Limit\uff08\u53ef\u6d88\u8d39\u989d\u5ea6\uff09\uff0c\u4f60\u5c31\u53ef\u4ee5\u7528\u4fe1\u7528\u5361 B\u6765\u4ed8\u4fe1\u7528\u5361 A \u7684$5,000\u6b20\u6b3e (transfer balance from A to B)\uff0c\u7136\u540e\u4f60\u76f4\u63a5\u8fd8\u4fe1\u7528\u5361B\u7684\u6b20\u6b3e\u5c31\u53ef\u4ee5\u4e86\u3002\u5f53\u7136\uff0c\u6709\u4e9b\u65f6\u5019\uff0c\u4f60\u53ef\u4ee5\u76f4\u63a5\u5c06\u4fe1\u7528\u5361 B\u7684$5,000\u8f6c\u79fb\u5230\u4f60\u7684Checking Account\uff0c\u76f8\u5f53\u4e8e\u4f60Loan\u4e86$5000\u7684\u8d37\u6b3e\u3002\u5982\u679c\u4f60\u4fe1\u7528\u5361A\u7684Balance\u5c0f\u4e8e$5,000\uff0c\u6bd4\u5982\u53ea\u6709$2,000\uff0c\u901a\u8fc7\u8981Refund Check\uff0c\u4f60\u4e5f\u76f8\u5f53\u4e8e\u5f97\u5230\u4e86$5,000-$2,000=$3,000\u7684\u8d37\u6b3e\u3002<\/p>\n<p>\u6709\u4eba\u4e0d\u7981\u8981\u95ee\uff0c\u65e0\u8bba\u5982\u4f55\u662f\u9700\u8981\u8fd8\u4fe1\u7528\u5361 B\u7684\uff0c\u90a3\u4e48\u4e3a\u5565\u8fd8\u8981\u8d39\u52b2Balance Transfer\u5462\uff1f\u5982\u679c\u4f60\u7684\u4fe1\u7528\u5361B\u53ef\u4ee5\u63d0\u4f9b\u65e0\u606f\u6216\u4f4e\u606f (0 Apr or low APR on Balance Transfer)\uff0c\u5e76\u4e14\u6ca1\u6709\u624b\u7eed\u8d39\u6216\u4f4e\u624b\u7eed\u8d39\u65f6\uff0c\u901a\u8fc7\u505abalance transfer\u4f60\u5c31\u5f97\u5230\u4e86\u4e8b\u5b9e\u4e0a\u7684\u65e0\u606f\u6216\u8005\u4f4e\u606f\u8d37\u6b3e\uff0c\u8d37\u6b3e\u7684\u671f\u9650\u51b3\u5b9a\u4e8e\u4fe1\u7528\u5361B\u6240\u89c4\u5b9a\u7684\u65f6\u95f4\u3002<\/p>\n<p>\u542c\u8d77\u6765\u597d\u50cf\u5f88\u4e0d\u9519\uff0c\u4f46\u662f\u63d0\u9192\u5927\u5bb6Balance Transfer\u6c34\u5f88\u6df1\uff0c\u5982\u679c\u60f3\u64cd\u4f5c\u597d\uff0c\u4e00\u5b9a\u8981\u975e\u5e38\u719f\u6089\u4f60\u7684\u4fe1\u7528\u5361\u76f8\u5173\u7684\u6761\u6b3e\uff0c\u641e\u4e0d\u597d\u53cd\u800c\u8981\u6d6a\u8d39\u5927\u7b14\u7684\u624b\u7eed\u8d39\u548c\u5229\u606f\uff0c\u8fd8\u53ef\u80fd\u4f1a\u5f71\u54cd\u4f60\u7684\u4fe1\u7528\u5206\u6570\uff0c\u6240\u4ee5\u4e00\u5b9a\u8981\u614e\u7528\u3002<\/p>\n<p><strong>Cash Advance<\/strong><\/p>\n<p>\u7b80\u5355\u7684\u8bf4\uff0c\u5c31\u662f\u76f4\u63a5\u4ece\u4fe1\u7528\u5361\u53d6\u73b0\u91d1\u3002 \u4f8b\u5982\uff0c\u7528\u4fe1\u7528\u5361\u4eceATM\u673a\u63d0\u6b3e\uff0c\u6216\u8005\u628a\u4fe1\u7528\u5361\u516c\u53f8\u5bc4\u6765\u7684Cash Advance\u652f\u7968\u5b58\u5230\u81ea\u5df1\u7684\u94f6\u884c\u5e10\u6237\u91cc\u9762\u3002Cash advance\u901a\u5e38\u90fd\u6709\u8f83\u9ad8\u7684\u624b\u7eed\u8d39\u548c\u5229\u7387\u3002\u6253\u7b97\u4f7f\u7528\u4e4b\u524d\u8bf7\u4e00\u5b9a\u4ed4\u7ec6\u9605\u8bfb\u4fe1\u7528\u5361\u7684Terms and Conditions\uff0c\u5fc5\u8981\u7684\u8bdd\u8bf7\u5411\u4fe1\u7528\u5361\u516c\u53f8\u6838\u5b9e\u3002<\/p>\n<p><strong>Financial Charge<\/strong><\/p>\n<p>\u662f\u6307\u94f6\u884c\u5bf9\u4f7f\u7528\u4fe1\u7528\u5361\u6536\u53d6\u7684\u8d39\u7528\uff0c\u6bd4\u5982 interests\uff0cover-limit fee\uff0cbalance transfer fee\uff0ccash advance fee\u7b49\u7b49\u3002\u5f53\u7136\uff0c\u4e00\u822c\u7684\u4fe1\u7528\u5361\u6d88\u8d39\u4e0d\u4f1a\u6536\u8d39\u3002<\/p>\n<p><strong>Grace Period<\/strong><\/p>\n<p>\u5bbd\u9650\u671f\uff0c\u662f\u6307\u4f60\u6b20\u4e86\u94b1\u4f46\u4e0d\u9700\u8981\u652f\u4ed8\u5229\u606f\u7684\u9636\u6bb5\u3002\u6211\u4eec\u5728\u4f7f\u7528\u4fe1\u7528\u5361\u8d2d\u7269\u65f6\u4ece\u5e10\u5355\u51fa\u6765\u5230\u8fd8\u6b3e\u671f\u9650due date\u901a\u5e38\u90fd\u662f\u6709\u4e00\u6bb5\u65f6\u95f4\u7684\uff0c\u5728\u8fd9\u671f\u95f4\u4e0d\u8fd8\u94b1\u662f\u4e0d\u9700\u8981\u652f\u4ed8\u5229\u606f\u7684\u3002\u4f46\u662f\u8981\u6ce8\u610f\uff0c\u5176\u4ed6\u7684\u6b20\u6b3e\u5982balance transfer\u3001cash advance\u7b49\u901a\u5e38\u662f\u6ca1\u6709\u5bbd\u9650\u671f\u7684\u3002<\/p>\n<p><strong>Minimum Finance Charge<\/strong><\/p>\n<p>\u8fd9\u4e2a\u662f\u6307\u4f60\u6240\u9700\u8981\u652f\u4ed8\u7684\u6700\u4f4e\u7684finance charge\u3002\u6bd4\u5982\u4f60\u505a\u4e86\u4e00\u6b21\u5c0f\u989d\u7684balance transfer\uff0c\u6309\u7167transfer\u91d1\u989d\u7684\u4e00\u5b9a\u767e\u5206\u6bd4\u8ba1\u7b97\u9700\u8981\u652f\u4ed8$2\u7684\u624b\u7eed\u8d39\uff0c\u53ef\u662f\u94f6\u884c\u89c4\u5b9a\u7684Minimum finance charge\u662f$10\uff0c\u90a3\u4f60\u4ecd\u7136\u9700\u8981\u652f\u4ed8$10\u3002<\/p>\n<p>\u5f53\u7136\uff0c\u65e5\u5e38\u7684\u7528\u4fe1\u7528\u5361\u8d2d\u7269\uff0c\u5728due date\u65e5\u671f\u524d\u5168\u989d\u8fd8\u6b3e\u4e00\u822c\u90fd\u4e0d\u4f1a\u4ea7\u751f\u4efb\u4f55\u8d39\u7528\uff0c\u6240\u4ee5\u4e5f\u4e0d\u8981\u5bf9\u4fe1\u7528\u5361\u907f\u4e4b\u5927\u5409\uff0c\u6bd5\u7adf\u4fe1\u7528\u5361\u662f\u975e\u5e38\u65b9\u4fbf\u7684\u7406\u8d22\u6d88\u8d39\u5de5\u5177\u3002<\/p>\n<p style=\"text-align: center;\">\uff08<strong>\u626b\u63cf\u4e8c\u7ef4\u7801<span style=\"color: #0000ff;\">\u5206\u4eab<\/span><\/strong>\u6587\u7ae0\u5230<strong><span style=\"color: #0000ff;\">\u5fae\u4fe1<\/span><\/strong>\u6216<span style=\"color: #0000ff;\">QQ<strong>\u670b\u53cb\u5708<\/strong><\/span>\uff09<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/chart.googleapis.com\/chart?cht=qr&amp;chs=150x150&amp;choe=UTF-8&amp;chld=L|4&amp;chl=http:\/\/yibababa.com\/archives\/1483\" alt=\"QR \u7801\" width=\"150\" height=\"150\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u521d\u5230\u7f8e\u56fd\u4f7f\u7528\u4fe1\u7528\u5361\u7684\u65b0\u624b\u7ecf\u5e38\u88ab\u4e00\u4e9b\u7f8e\u56fd\u4fe1\u7528\u5361\u672f\u8bed\u641e\u5f97\u4e00\u5934\u96fe\u6c34\u3002\u5176\u5b9e\u4e0d\u6b62\u662f\u65b0\u624b\uff0c\u5f88 &hellip; <a href=\"https:\/\/yibababa.com\/article\/archives\/1483\">\u7ee7\u7eed\u9605\u8bfb <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1483","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1483","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/comments?post=1483"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1483\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=1483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=1483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=1483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}