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关于用信用卡到atm拿钱
The Downside of Credit Card Cash Advances
That said, it probably isn’t a smart idea to regularly rely on cash advances from your credit cards. It will cost you, and maybe more than you think. There are several negative aspects to consider, including:
1. Cash advances often are not only subjected to interest, but they generally won’t include any interest free days. For example, the American Express Platinum credit card usually offers users 55 interest free days. Cash advances aren’t eligible.
2. You won’t just start accruing interest immediately with a cash advance, but you may be charged a higher interest rate. The Citibank Clear credit card, for instance, charges a regular 12.49% interest rate on purchases, but a 20.74% interest rate on cash advances.
3. It gets worse. On top of higher, and immediate, interest rates you’ll also likely face transaction fees for every cash advance. Those fees may be a few dollars, or a percentage of the cash advance amount depending on the card and withdrawal amount.
Understand that taking a cash loan against a credit card will cost you more, in one way or another, than using your bank account balance or your credit card directly for purchases. In the case of an emergency, it may be worth it, but it probably isn’t when it comes to your regular spending needs. Consider other options, knowing that a credit card cash advance is available as a (costly) last resort.
积分可以换东西，一般来说换机票是比较值的
[ 本帖最后由 garysu 于 2009-6-12 10:21 编辑 ] |
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