# A QUESTION OF INTEREST. Personal and Business credit card interest explained

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1 A QUESTION OF INTEREST Personal and Business credit card interest explained

4 The amount you pay makes a big difference These case studies show how interest is charged depending on between paying the total amount owing and paying the minimum regain the interest free period on purchases, even if you have been Case study 1 No interest is charged if you pay your total amount owing on your how much you pay. The first two case studies show the difference payment due amount. The third case study shows how you can paying interest for a while. statement by the payment due date each month. Statement period Opening balance New purchases Minimum payment due Payment received by due date Interest charges (closing balance) September \$75.00 \$ \$25.00 \$75.00 \$0.00 \$ October \$ \$ \$25.00 \$ \$0.00 \$ # November \$ \$ \$25.00 \$ \$0.00 \$ #Since September s total amount owing (\$210.00) was paid in full, new purchases. Case study 2 Interest is charged if you only pay the minimum payment due shown October s total amount owing (\$165.00) is just made up of on your statement. Statement period Opening balance New purchases Minimum payment due Payment received by due date Interest charges (closing balance) September \$75.00 \$ \$25.00 \$75.00 \$0.00 \$ October \$ \$ \$25.00 \$25.00 \$7.00 \$357.00^ November \$ \$ \$25.00 \$25.00 \$7.72 \$ ^ October s total amount owing (\$357.00) is made up of the opening interest charges. Please note: these case studies are for illustrative purposes only and do not reflect advances, Balance Transfers or Great Rate transactions apply. balance, plus new purchases, minus payments received, plus current interest rates. They assume you have purchases only, and that no cash 5 6

5 Case study 3 If you have been paying interest, you can regain the interest free period on purchases. Keep in mind that it takes 2 statement periods for all interest accrued to be charged even when you pay the total amount owing in full. Statement period Opening balance New purchases Minimum payment due Payment received by due date Interest charges (closing balance) September \$75.00 \$ \$25.00 \$75.00 \$0.00 \$ October \$ \$ \$25.00 \$25.00 \$7.00 \$ November \$ \$ \$25.00 \$ \$4.75* \$ December \$ \$ \$25.00 \$ \$0 \$ * The \$4.75 interest charged in November relates to interest calculated from the beginning of the November statement period until the total amount owing in October is paid in full. In this example, no interest is charged in November for new purchases (\$225.00) made in November. Why am I still being charged interest, even though I paid my card in full? As mentioned in case study 3, it takes 2 statement periods for all interest accrued to be charged to your account even when you pay the total amount owing in full. Let s go through case study 3 in some more detail: Let s assume that each statement period begins at the start of the month and closes at the end of the month. The October statement is charged interest (\$7.00) as a result of not paying the total amount owing on the September statement (\$210.00) in full by its due date. You then decide that you want to stop further interest from being charged. So, you pay the total amount owing shown on the October statement (\$357.00) by the payment due date (In this scenario you are given 25 days to pay, so the due date is in November). Once that payment has been received, interest will stop accruing on that balance. Remember, to avoid paying interest, don t do cash advances, make cash equivalent or cash substitute transactions and make sure you pay your statement in full each month. Keep in mind, however, that interest continued to accrue after the October statement end date until payment was received in full in November. The two payment scenarios shows the difference in the interest charge depending on when the payment is received in full. Scenario October Statement 1 Total amount owing = \$ Total amount owing = \$ paid in November \$ received on the payment due date shown on the November statement. \$ received 7 days after statement end date shown on the November statement. November statement will include: \$4.75 interest charge for the 25 days \$1.39 interest charge for the 7 days* Referring to case study 3; If the payment \$ had been received on the Payment Due Date, interest charges for the period would have been \$4.75. By paying earlier than the Payment Due Date (as shown in scenario 2), a saving of \$3.36 has been made. Please note: these case studies are for illustrative purposes only and do not reflect current interest rates. They assume you have purchases only, and that no cash advances, Balance Transfers or Great Rate transactions apply. 7 8

7 Reading your repayment information in NetBank Payment and balance information can be located on the Account Information page in NetBank and is displayed differently from how you would view the information on your credit card statement. 1. Minimum amount due. The minimum payment amount required to avoid a late payment fee. 1 Account Nickname/Type Card/Account number Account balance Available funds MasterCard Platinum \$ DR \$ CR Transfer a credit card balance American Express N/A N/A Credit limit \$ N/A Nickname/Type Card/Account number Account balance Available funds Last payment 24/03/2015 Minimum amount due 07/04/2015 \$20.00 CR Pay minimum amount Previous statement closing balance 07/04/2015 \$ DR Pay closing balance Monthly automatic payment option Minimum amount due Change automatic payment option Cardholder relationship MasterCard Platinum Primary 2 2. Previous statement closing balance. This is the same as the total amount owing as shown on your most recent credit card statement (refer to the previous statement example page). This is the full amount to pay by the payment due date to avoid interest on purchases. Commonwealth Awards member Yes Visit Awards site 11 12

8 Notes 13 14

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