解读Westpac5个月零息purchase和9个月0.99%BT条款

melbegg

Westpac的55Days Visa or Master，提供5个月的0% purchas和9个月的0.99% Balance Transfer
http://www.westpac.com.au/person ... t-free-credit-card/
在条款中有这么一段，不太明白，问了Westpac的三姐，等于没解读还不耐心。。。这里有朋友在用这张卡或者能解读一下的么？

Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month.
基于上述的条款，是不是可以理解为：“该信用卡的还账金额再被repay给purchase或者cash advance之前先用于支付该卡用于BT转账产生的费用。这意味着，你的repayment会被用来首先偿还outstanding balance中利率较低的产品所产生的金额（LZ注：那这样岂不是和第一句话矛盾了？BT0.99%，前5个月purchase 0%，那偿还金额是会先applied给那部分的资金？）在每个月due day还清full balance***包括BT和其他促销活动的金额**之前，你是无法享受purchase免息期的。


综上所述，通俗的来讲是不是意味着：
1.你要BT的话，就没有purchase 0%（无论是55天还是5个月）
2.你要享受purchase 0%的话先要把BT还掉
3.那如果purchase了，然后在当月BT了一笔钱，purchase部分就按照正常rate计息？

y12345678

就是说bt之后，别再用这个卡消费，否则你的0利率就永远gone了

melbegg

原帖由 y12345678 于 2011-10-30 09:11 发表
就是说bt之后，别再用这个卡消费，否则你的0利率就永远gone了

了！要BT就没的0%，要0%就把BT先还掉。