Topic: 請問信用卡的利息是怎麼計算的﹖如果有100元未付﹐利率是17。5%的話﹐多謝﹗ @华人论坛:枫下论坛 The Rolia Forum of

枫下家园 / 生活杂事 / 請問信用卡的利息是怎麼計算的﹖如果有100元未付﹐利率是17。5%的話﹐多謝﹗ -ca010406(shasha); 2002-5-6 (#504688@0)

每天计算复利, 利滚利, 实际上远远高于17.5... 这帮加拿大银行就会用这种招数欺骗加拿大native的傻瓜, 咱们国内过来的, 怎么数学也要比他们好一些呀. 千万别上当 -expertune(伪劣砖家); 2002-5-6 (#504834@0)

是不是我算错了，刚才用EXCEL滚了一下，每天复利一年也就是119，怎么比117。5多不了多少呢？ -lmx(流氓兔); 2002-5-6 (#504857@0)

Based on my understanding, if your statement is, for example, $500, and you pay $400, the bank will charge you interest for the whole $500 instead of only the remaining $100.That's how they make money! Be careful! If you can pay in full, do it. -lusi(丑小鸭也想变天鹅); 2002-5-6 {71} (#504864@0)

多謝樓上各位﹐我已經電話銀行﹐Lusi 的算法是對的﹐它的利息是基于 due day 的 balance 計算的。 -ca010406(shasha); 2002-5-6 (#505078@0)

Exactly. I learned this from my friend's experience. Once they had a balance of about 1000. and they paid full before due date. Butthe bank system didn't work , and the bank said that they owed the bank 0.34 dollar, and the intrest charge was dozens of bucks! Of course my friend argued with the bank and corrected the problem. That's how I know how 黑暗 the bank is.
So, conlusion: be careful with your credit card payment, always pay in full to avoid extra charges. -lusi(丑小鸭也想变天鹅); 2002-5-6 {340} (#505387@0)

不是那样计算的他们是把一个月里每天的balance加起来除以30当作平均balance,再来计算每个月的利息.

如果某个月你没付清,因为付款已经是在当月结帐日期后的,所以你要交的利息比较高,和你这次付款多少无关..

但是对于一直不能付清,总带balance的人来讲,也没多少区别. -rc5(brokenheart); 2002-5-6 {237} (#505623@0)
对的，只要有一块钱不付，还是按全部计算利息，千万当心 -tocai(tocai); 2002-5-7 (#506901@0)
This is a bug in the bank's system. Royal Bank repayed about 3 million last month to card holders. -aabbcc(abc); 2002-5-7 (#507108@0)

@