Standard purchase APR: Cash APR: Annual Fee: None. Rates as of. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.
Secured Credit Card TV is a trademark of the National Hockey League. All Rights Reserved. How to pay less interest. Avoid paying interest on purchases by paying off your credit card balance in full each month. Pay less interest by making more than your minimum payment due each month. As we mentioned above, the best way to avoid paying credit card interest is to avoid carrying a balance altogether, but again, we get this isn't always possible.
Eighteen months is a solid period of time to pay down a balance while saving yourself some money on interest charges. Just be aware though that once the intro period expires, standard Citi is a CardRatings advertiser.
To earn cash back, just pay at least the minimum due on time. This is to be expected with balance transfer credit cards though. After the promotional periods expire, regular This, though, is an expected and standard fee among balance transfer cards. Be sure to explore all of our balance transfer credit cards for more options. When figuring out how to minimize the amount of interest you're paying, just remember, the minimum payment on your credit card statement is designed to meet the credit card company's goal of maximizing the amount of interest they earn.
By using this calculator and visualizing how much money you can save, you're one step closer to meeting your goal of getting out from under the shadow of credit card debt. How we calculate savings: Our algorithm factors in the introductory balance transfer rate, length of the introductory period, balance transfer fee, ongoing interest rate, annual fee and data entered into the filter in order calculate savings and the time needed to pay off a balance.
The algorithm is designed to yield reasonably accurate results. Advertiser and Editorial Disclosures. Learn more. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues.
Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities.
All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.
Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
Advertiser Disclosure: The offers that appear on this site are from third party companies "our partners" from which Experian Consumer Services receives compensation. Member FDIC. Equal Housing Lender. Close 'last page visited' modal Welcome back. Here's where you left off.
Show related content Don't show me this pop-up of the page I left off on again. You might also be interested in:.
Skip to main content. My Priorities Search. Trending Building credit and keeping yours healthy How to build credit from scratch Building your credit with a secured credit card. Trending Understanding balance transfers How to tackle financial stress Negotiating with creditors.
Trending Creating a budget 5 steps to get started with saving How to save money every day. Trending Buying a home comfortably and affordably 10 questions you should ask mortgage lenders Is a home equity line of credit right for me? Trending Buying vs. Trending Your k : 10 things to find out The effect of time on your retirement account Building a foundation for retirement.
Trending Terms to know when you take out student loans Estimating your child's cost of college 4 common questions about saving and investing for college. Trending How long should you keep important documents? Victims of identity theft: 5 steps to take action What to do if you lose your wallet. Trending 8 tips for getting the most out of your checking account 6 steps to help a middle or high schooler budget How teens manage their money: What parents need to know.
Trending Decoding your tax bracket Beyond salary: Benefits may matter more than you think 6 steps for first-time tax filers. Personal Banking. Share Close share. Save Close save Added to My Priorities.
0コメント