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How does my new credit card work?
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How does my new credit card work?
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| 20/12 2013 05:34
you do nothing ! you don't have this card yet, not even approved. even if you see it onlilne, there is nothing you need to be doing.
| 20/12 2013 06:46
Current balance: That's the amount you owe. Total credit available: That's the total amount the credit card company will allow you owe at any one time. Cash credit line available: That's the amount of cash you can withdraw (with fees, of course) from your total credit available. Example: You haven't bought anything yet. You can go out and charge up to $1,000. Example: You want cash and your current balance is under $700. You can withdraw up to $300 in cash. You do not have to transfer money from your checking account to the credit account. Not yet. Once a month, you'll receive a bill. It will have two numbers on it. One will be your current balance. The other will be the minimum payment due. (The minimum payment due may be around 5% of your total balance.) You pay some amount between the minimum and the full amount due. Example: You charge $500 on the card. You'll receive a statement saying you owe $500 and the minimum payment is $25. You then make a payment (out of your checking account, if you want) of anywhere between $25 and $500. Tip: Pay it all off if you can. Always try to pay more than the minimum. That's how it works.
| 20/12 2013 07:29
You do not need to transfer any money from your checking account because you owe nothing. If you use your card you will get a monthly statement. The statement will tell you the amount you owe and the date by which it must be paid. Pay in full before that date and you will have no extra charges. There is no benefit in paying anything before you get your monthly statement. If you do not pay in full you will be charged a very high rate of interest.
| 20/12 2013 15:28
These are all questions you need to ask the bank, before you signed the application you should have made sure you understood how it worked. Go back to the bank and ask to talk to someone about the credit cards, have them explain everything about them and ask all the questions you need so you don't get yourself into trouble with them
| 20/12 2013 20:20
They say 30 days because they don't know how long it will really take, and they don't want a lot of calls asking why it isn't done yet.
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