discover balance有多个apr,怎么还款?

discover上个月月中接了0APR的offer。现在还款的时候,客服告诉我有350的balance是28%APR的,600是0%APR的。min payment due是35,请问这时我是不是可以只还350+35=385刀就可以免去interest?

我觉得付完minimum 是先用0 APR的?

  1. balance <35 可以只还balance
  2. 35<balance <635 可以只还35

emm,我感觉好像我没讲清楚……我的意思是,现在我的statememt balance是950刀,其中600 subject to 0 APR,350 subject to 28%APR。我的问题是能否只还350+35 cover掉28%APR的balance

最保险把900都还了,下个statement就都是0%了。

不构成理财建议,根据我的体验和法规要求来说 还款是先从apr高的开始,那么350+35+一些已经产生的利息就可以还完了

Credit Card Payment Allocation Explained (thebalancemoney.com)

Creditors must apply any credit card payment above the minimum to balances with the highest interest rate. The minimum payment, however, can be (and typically is) applied to the balance with the lowest interest rate, which will usually include balances with a promotional interest rate.

For instance, let’s say you have a credit card with a $1,000 balance: $500 of the balance are purchases you made at 20% APR and the other $500 is a balance transfer at 10% APR. Let’s also say your minimum payment is $25. If you make a $100 payment, the first $25 will be applied to the balance transfer and the remaining $75 would be applied to the more expensive purchases balance.

为了赚你的钱,你的还款永远是先抵销的Apr低的部分。

这个真不是,我搞过discover和boa bt后有新消费,立即付款还的都是apr高的

我搞过amex,先减的是Apr低的。

奇怪,我的体验是,在还没有post statement的时候还,确实会先减少plan it,但0 apr就没试过了