刚刚才知道上当了.
: 写在这里请大家主意.
: 被Chase card的 0 interest rate所诱惑,
: 做了个几千块钱的balance transfer to pay off my auto loan.
: 结果, 今天发现, 我不能pay off 我的purchase balance first.
: 而purchase interest rate is above 10%, which is much higher
: than the interest rate of my original auto loan.
: 就是说, 如果你要做credit card的balance transfer,
: 首先是一定要make sure you pay off all your purchase balance
: before your balance transfer is posted to the statement.
: 原因是, 你在balance transfer posted date 之后寄去的payment
: 全部都会apply to the lowest interest rate balance first.

奇怪啊，我怎么没遇到过这个问题？难道你的purchase APR不也是0%?

恩，我有张卡的purchase APR就不是0
上回有2000块给憋在里面，17.99% APR, 郁闷死我了

以下是引用lesley在7/25/2003 9:17:42 AM的发言：
奇怪啊，我怎么没遇到过这个问题？难道你的purchase APR不也是0%?

no, purchase apr is not 0%. that's the trick of chase. i met it too. ft

That's not a trick, it's just you don't know it. I would think everybody knows to payoff first before balance transfer

以下是引用WhatAgain在7/31/2003 2:09:32 PM的发言：
That's not a trick, it's just you don't know it. I would think everybody knows to payoff first before balance transfer

no some cc give 0APR for both purchase and BT. The letter come with Chase card, is too 晦涩 made me think it is 0APR for pruchase also and I remember the invitaion letter said 0APR for purchase, that's why I applied.

[此贴子已经被作者于7/31/2003 2:57:23 PM编辑过]

以下是引用aecom在7/31/2003 2:56:14 PM的发言：

以下是引用WhatAgain在7/31/2003 2:09:32 PM的发言：
That's not a trick, it's just you don't know it. I would think everybody knows to payoff first before balance transfer

no some cc give 0APR for both purchase and BT. The letter come with Chase card, is too 晦涩 made me think it is 0APR for pruchase also and I remember the invitaion letter said 0APR for purchase, that's why I applied.

[此贴子已经被作者于7/31/2003 2:57:23 PM编辑过]

i believe that, you should have kept this letter and argue with them!
because i have a chase platinum too, and i do balace transfer and pay minimum
every month with 0 apr for both, it's 8 months since, never met a problem.
my offer is 0 apr for both for 12 months.

not only chase,but also most CC
no use to argue
that is policy
just know the trick and be careful!