避免支付信用卡利息的方法
Learn about credit card interest and how to help avoid or reduce it when using a credit card.
信用卡利息是如何运作的?
使用信用卡利息, 根据信用卡期限协议, if you are unable to pay your 声明中平衡 in full by the end of your billing cycle.
信用卡宽限期
A credit card grace period is the time period that you have to pay off your bill before an interest charge is applied to your balance. If you pay your bill during this timeframe, you will not be charged interest.
信用卡什么时候收利息?
Your balance will start accumulating interest if you do not pay your monthly balance in full. This will cause you to lose your grace period on your credit card. Any new charges you accumulate during that billing cycle, along with your 当前余额 will begin accruing interest.
避免信用卡利息的方法
- 理解你的 信用卡对账单 利息费用可能会令人难以承受，令人困惑. Be sure to review the interest rate, 声明中平衡 and 当前余额.
- 还清你的债务 声明中平衡 (你上一个结算周期的金额).
- 还清债务 当前余额 的数量 所有 up to date transactions) will also help you to avoid paying interest.
- Reviewing your statement a few times a month to make sure you’re staying within your monthly budget.
- Making multiple payments to your balance throughout the month. 你的总利息是根据你的余额计算的, so when you make payments throughout the month this will help reduce the interest.
降低信用卡利息
Sometimes we don't have the luxury of paying enough of the balance to avoid interest. At those times, t在这里 are strategies to help keep your interest rate lower.
- 至少支付 最低还款额 由于减少了收取的利息金额.
- 在到期日或之前付款 如报表所示.
- 探索 信用卡 with lower interest rates and fees.
- 探索 余额转账选项 以帮助降低你支付的利率.
- Try to avoid charging medical expenses to your credit card. 而不是, contact your doctor or hospital’s billing department to check if they have interest-free payment plans available.
明智地使用信用卡
Being mindful of your credit card use can be done in many ways. 这里有一些:
- 坚持预算. 只有 花 你能负担得起的.
- 建立信用评分 通过获取和使用你的信用卡.
- 尽量减少使用信用卡 尽可能使用借记卡功能.
- 记录你的开支 每个月只花你知道你能还清的钱.
- 检查你的信用卡支出 every month and follow up on any errors you may find on your statement.
- 付清余额 在可能的情况下.
- 设置自动缴费 from your bank to make sure the credit card bills are paid on time.
做出明智的信贷决策
管理不善 信用卡 can result in wasted money and can grow into a bigger problem by damaging your credit scores. Become knowledgeable about your credit report, credit score and credit bureaus. 定期 监控你的信用报告 识别并采取措施纠正问题.
