特稿：用信用卡买汽车，还可以省利息

*火眼金睛*

没有车行容许用信用卡付全款。
买车（车行）可以通常接受最多$500 信用卡付款。其余款项必须用cash (check or money order)
文章的作者是一个大SB

Sedona

最初由[cgigate]发布
[评论]特稿：用信用卡买汽车，还可以省利息

没有车行容许用信用卡付全款。
买车（车行）可以通常接受最多$500 信用卡付款。其余款项必须用cash (check or money order)
文章的作者是一个大SB


Do you have reading disability?

The author says drawing funds from a zero/low interest credit card during the promotion period, to pay for the car.

I have a Citibank credit card. A few years ago, I was offered a zero interest loan without time limit.  I drew $15,000 from it.  Kept paying the minimum balance of 5%.  Never paid any interest.

1.732

象楼上说的一样，信用卡“付款”不可能超过$500CND,但我不明白：“贷款额度只有一、两万可以－－的零利率信用卡”的真正意思是什么。你是否可以描述一下你用“零利率信用卡”付款的详细步骤。因为我知道的买车利息是因为分期付款而产生的；而且是车行指定的贷款部门。
如你所述：信用卡是“零利率”；而这笔“零利率”贷款应该是一次性拨款到车行，又肯定是'等于一年不用附利息"的，咱实在不明白。

*火眼金睛*

信用卡是“零利率”经常是假的。
旁边有个小星号，经常说3% transaction fee (fine words)

Sedona

I hang out in an English forum.  See below as an example (http://tugbbs.com/forums/showthread.php?t=51105):

The assumption so far is that you bought from the developer, is that correct?

If it is, then you can pretty much assume that your balance is too high for someone to take over your payments.

There are ways that you can decrease your cost. If your loan balances have high interest rates, then you can get lower interest rates on certain credit cards for thier introductory rates?????    Or maybe you have a car that is paid off and your credit union will loan you money against your car.

............

Think of all your options and Good luck....

Below are the keys:

1. Read fine prints.  There may be transaction fees or time limits.

2. Look for new credit cards/products for promotional rates.

3. Look for American banks or Internet banks, e.g. Capital One, Citibank.

4. Once you withdraw the credits, don't use the card anymore, because payments will go against the low/no interest proportion first while the high interest part remains untouched.

How to do it:

1. Find and obtain the right card.

2. Transfer the credit limit with no/low interest to your bank account.

3. Pay the car dealer cash for your purchase.  Car dealers usually offer two type of incentives: low interest rate or reduced purchase price.  You get either or, but not both.  Either method in fact yields the same result, mathematically.

You will have double dip, if you draw cash from a low/no interest credit card and bargain hard with the dealer for a reduced price.

hezhegaigua

最初由[cgigate]发布
[评论]特稿：用信用卡买汽车，还可以省利息

没有车行容许用信用卡付全款。
买车（车行）可以通常接受最多$500 信用卡付款。其余款项必须用cash (check or money order)
文章的作者是一个大SB

SB巫师又骂别人是SB。