只支付最低還款額會讓您的大部分餘額未付清,導致利息累積並增加您欠款的總金額。年利率(APR)是年百分率,顯示您將為未付清餘額支付多少利息。如果您未在到期日前付清全部餘額,利息通常會在結算週期結束後開始累計。信用利用率衡量您使用了多少可用信用額度,並嚴重影響您的信用評分。使用超過您可用信用額度的30%通常被信用評分模型視為有風險。錯過還款可能會導致滯納金、更高的利率,並在您的信用報告上留下負面記錄。預借現金通常有較高的利率,並且會立即開始計算利息,沒有寬限期。商店卡通常比一般信用卡有更高的利率。寬限期允許您在不支付利息的情況下全額支付餘額。超出您的額度可能會觸發超額費用,並對您的信用評分產生負面影響。滾動結餘意味著利息複利,隨著時間的推移,使購物變得更加昂貴。餘額轉移通常用於將債務轉移到具有較低或0%年利率的卡片上,以減少利息。帳單可以幫助您在未經授權的費用或帳單錯誤變得昂貴之前發現它們。介紹性年利率優惠是暫時的,一旦期限結束,就會恢復到更高的利率。有些卡片會收取年費,以換取獎勵或高級福利。更多的卡片會讓超支和追蹤餘額變得更容易。追逐獎勵往往會導致人們花費超出他們負擔能力的金額。每個結算週期付款——最好是全額支付——有助於避免利息和保護你的信用。關閉舊卡會縮短你的信用歷史並增加使用率。自動付款減少了錯過付款和滯納金的風險。有些卡片在以外幣購物時會收取費用。即使您打算還清,高使用率也會損害您的信用評分。如果支出保持不變,更高的額度可以降低您的使用率。逾期付款可能會觸發罰款年利率,使未來的利息高得多。全額支付可避免利息並建立健康的信用習慣。信用報告上的錯誤如果不糾正,可能會損害您的分數。懲罰性年利率在逾期付款或違規後適用,可能非常高。最低還款會使餘額保持高位更長時間,為發卡機構產生更多利息。信用卡消費的明智規則是什麼?濫用可能導致長期債務、信用受損和財務壓力。You scored 0 out of 30You scored 1 out of 30You scored 2 out of 30You scored 3 out of 30You scored 4 out of 30You scored 5 out of 30You scored 6 out of 30You scored 7 out of 30You scored 8 out of 30You scored 9 out of 30You scored 10 out of 30You scored 11 out of 30You scored 12 out of 30You scored 13 out of 30You scored 14 out of 30You scored 15 out of 30You scored 16 out of 30You scored 17 out of 30You scored 18 out of 30You scored 19 out of 30You scored 20 out of 30You scored 21 out of 30You scored 22 out of 30You scored 23 out of 30You scored 24 out of 30You scored 25 out of 30You scored 26 out of 30You scored 27 out of 30You scored 28 out of 30You scored 29 out of 30You scored 30 out of 30
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NextNext QuizIncorrectCorrectGenerating your resultRetryOops, Quizday rookie! Don't worry, even the greatest quiz masters had to start somewhere. You may have stumbled this time, but every mistake is an opportunity to learn and grow. Keep on quizzing, Quizday newbie, and let your thirst for knowledge guide you towards greatness!Hooray for trying, Quizday explorer! You may not have aced the quiz this time, but you're like a brave adventurer trekking through uncharted territories. Keep exploring, Quizday fan, and let your inquisitive spirit be your guide to the riches of knowledge. Who knows what wonders await you on your next quiz quest?Great effort, Quizday adventurer! You're like a curious cat exploring the world of trivia with wide-eyed wonder. Keep on quizzing, Quizday fan, and let your enthusiasm for knowledge propel you towards success. Remember, even the most experienced quiz champions started somewhere. You're on your way to greatness!Hooray for taking the Quizday challenge! 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信用卡可以是強大的工具,也可以是危險的陷阱。許多人每天都在使用它們,卻沒有真正了解利息、最低還款額、信用額度或隱藏費用。這個測驗將測試您對信用卡的了解程度,以及您的習慣是幫助還是損害您的財務狀況。從日常購物到月結單,每個問題都基於大多數人面臨的真實情況。別擔心,不需要複雜的數學或金融術語。只需實用知識,即可為您省錢並避免代價高昂的錯誤。您是明智地使用信用卡,還是不知不覺地讓自己陷入債務?參加測驗即可找到答案。








