http://hk.news.yahoo.com/ ... 901/4/k04h.html(also
http://hk.news.yahoo.com/ ... 901/4/k04i.html)
安信信貸委託港大民意研究計劃於今年7至8月以電話訪問了506名18歲以上有使用信用卡的市民，20%曾未能還任何卡數，70%擁有多於一張信用卡受訪者曾只還妥最低還款額，但31%不知如未能還清所有卡數，其新簽帳項、免息分期及月供保險/基金會被一併計息，64%及71%不清楚所持信用卡簽帳及現金透支利息，34%卡數欠款及利息曾超出預期，他們平均需多交15%。
I'm not too sure if the 70%of cardholders who have more than one card pay min pay only statistics is skewed because HKU did not count the people who have *one*card only and don't pay min pay,but how many people in HK have one credit card only?(not even my mother).
For some cards,it's not just 新簽帳項that gets extra interest.
Most credit cards refer to charging finance charge on "outstanding amount".
I polled bank CSes to see how they interpret the following case (based on
http://big5.xinhuanet.com ... /c_12497777.htm):"If I have $1,000 balance (from purchases)on my current statement,no balance on my previous statement,no new transactions after my current statement,and repay $800 on due date;what is the basis you calculate finance charge on?$1,000 or $200"?
- BEA:"$1,000 from transaction date until balance is fully repaid"
- DBS:"$800 from statement date to the date you repaid $800,$200 from statement date to next statement date"
- SCB:"$800 from statement date to the date you repaid $800,$200 from statement date to next statement date"
- Citi:"$1,000 from statement date to next statement date,less $800 from repayment date to next statement date"(this would seem identical to SCB's treatment)
- BoC:"$800 from statement date to the date you repaid $800,$200 from statement date to next statement date"
The last four banks are consistent - if you don't pay off your full balance by due date,you will lose interest-free exemption on the full balance starting from statement date -
even on the amounts you repay by the due date.You will be charged interest on balances up to the date of repayment - if partial repayment then interest stops on that repaid balance on date of repayment.
BEA is an exception of the lot (it was rather unfortunate the only time I knowingly incurred a finance charge was with BEA (
http://www.discuss.com.hk ... =1#pid227283256).Repaying anything but the full balance has no impact on the finance charge - finance charge is calculated from the transaction date (which is earlier than statement date)until when the balance is repaid in full.
Avoid holding a balance on it if you can.
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本帖最後由 percysmith 於 2010-9-2 21:37 編輯 ]
