is it 0% for balance transfer or 0% for the new charges? tricks/catches? first if you take the whole credit limit line as a balance transfer or charge to the credit line then your credit score will drop 100+ points during the 15 months as your utilization is above 30% second if you miss a payment, from that point on the whole balance will be subject to a very high interest rate, forcing you to pay everything off. third, if you it was a balance transfer and you accidently make any new charges then your supposedly 1% payment might payoff your 0% balance first before they go towards paying off the new charges (which might have a double digit interest rate)
nmd, I was thinking about a different card (customized cash). In your case, your max rebate is 2.65% so any tuition payment with a less (than 2.65%) rate should net you some profit.
Dadaobz 发表于 2025-07-31 22:37 is it 0% for balance transfer or 0% for the new charges? tricks/catches? first if you take the whole credit limit line as a balance transfer or charge to the credit line then your credit score will drop 100+ points during the 15 months as your utilization is above 30% second if you miss a payment, from that point on the whole balance will be subject to a very high interest rate, forcing you to pay everything off. third, if you it was a balance transfer and you accidently make any new charges then your supposedly 1% payment might payoff your 0% balance first before they go towards paying off the new charges (which might have a double digit interest rate)
"0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply."
majia666 发表于 2025-07-31 23:19 "0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply."
so you only need to watch out for the first and second scenario above.
这个是limited category吧？如果是那就返现小于学校收的费
返现 > 学校收的费
什么叫limited category？
学费，交税都应该算，反正我用过几张卡，还没有不算的
我刚发现有信用卡0% INTRO APR 十五个月。 是不是我比方付了几万， 然后每月只要交MINIMUM， 就能十五个月以后才付清全款？ 现在利息这么高， 能省将近一千多的利息。 是这样吗？ 有什么TRICK在里面吗？我不用0% 很久。
is it 0% for balance transfer or 0% for the new charges?
tricks/catches?
first if you take the whole credit limit line as a balance transfer or charge to the credit line then your credit score will drop 100+ points during the 15 months as your utilization is above 30%
second if you miss a payment, from that point on the whole balance will be subject to a very high interest rate, forcing you to pay everything off.
third, if you it was a balance transfer and you accidently make any new charges then your supposedly 1% payment might payoff your 0% balance first before they go towards paying off the new charges (which might have a double digit interest rate)
nmd, I was thinking about a different card (customized cash).
In your case, your max rebate is 2.65% so any tuition payment with a less (than 2.65%) rate should net you some profit.
是的
算purchase ，可以搞
"0%† Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply."
so you only need to watch out for the first and second scenario above.
我信用分数几乎满分， 让你一吓， 说要降低100， 虽然我也没什么要申请的，不敢用了。 你说的第三个， 我很久很久以前上过一次当，所以我很小心，