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Some
card issuers may have a policy that raises your interest
rate if you make late payments. For example, if you make
2 late payments within 6 months, the card issuer may raise
your interest rate from 18% APR to 24% APR. If such a penalty
rate applies to your card, the issuer must include a notice
in the solicitation materials.
Finance.yahoo.com
Card issuers may also charge different rates for different
types of transactions. For example, the card may carry one
rate for purchases of goods and services, another rate for
cash advances, and still another rate for balance transfers.
What
Is the Outstanding Balance?
The outstanding balance can be calculated in several ways,
and the method of calculation can make a big difference
in the finance charge you will pay:
- Average
daily balance method including new purchases. The
balance is the sum of the outstanding balances for every
day in the billing cycle (including new purchases and
deducting payments and credits) divided by the number
of days in the billing cycle.
- Average
daily balance method excluding new purchases. The
balance is the sum of the outstanding balances for every
day in the billing cycle (excluding new purchases and
deducting payments and credits) divided by the number
of days in the billing cycle.
- Two-cycle
average daily balance method including new purchases.
The balance is the sum of the average daily balances for
two consecutive billing cycles. One daily balance, that
for the current billing cycle, is calculated by summing
the outstanding balances for every day in the billing
cycle (including new purchases and deducting payments
and credits) and dividing that total by the number of
days in the billing cycle. The other daily balance is
that from the preceding billing cycle.
Get
The Right Credit Card for You
While
the outstanding balance and the periodic rate are important
factors in choosing a credit card, they shouldn't be your
only considerations. Other plan features may be more important
to you, depending on how you use the card. For example,
if you don't always pay your monthly bill in full, you'll
probably be more interested in a card that carries a lower
APR. On the other hand, if you always pay your monthly bill
in full and card enhancements such as frequent flyer miles
don't interest you, your best choice may be a card that
has no annual fee and offers a longer grace period.
The grace period is the number of days between the statement
date and the due date during which you can pay your bill
without incurring a finance charge. The card issuer may
refer to the beginning or ending point of the grace period
and tell you about any conditions that apply. For example,
the issuer may say you have "25 days from the statement
date, provided you have paid your previous balance in full
by the due date." Keep in mind that the statement date
is not the date on which you receive the bill; it
is the date on which the issuer prepares the statement,
which may be a week or two before you actually receive the
bill in the mail.
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