信用卡

On credit cards, the interest 率 and APR are the same thing.

Some financial products have a different interest 率 and APR (annual percentage 率). That’s because the interest 率 is the 率 to borrow the money itself; it’s based on market 率s and your individual credit score. 的4月, 另一方面, includes other fees and costs that are also part of the loan; it’s decided by the lender. You can think of the interest 率 as a way of determining your monthly costs, the APR as a way to determine the entire cost of the loan. Federal law requires that lenders like us tell you the APR in every consumer loan agreement.

你信用卡的利率, 也被称为年度百分比利率(APR), 用于计算借款费用(i.e. 使用你的信用卡)每个月的结算期. If you pay off your card in full every month, you won’t be charged interest. The interest 率 will vary from card to card and person to person, depending on things like your credit history and credit score. The interest 率 you are charged is also affected by the interest 率s in the economy.

We calculate your monthly charges based on your balance and your annual percentage 率 (APR). If you do pay your card off in full each month, you won’t be charged for interest.

If you don’t pay your card off in full each month, you will be charged for interest. Even though your APR is a percentage expressed in terms of a year, 它也被用来计算一个月的费用. Think about miles per hour – if you’re traveling 40 miles per hour, 你将在一小时内行驶40英里. But you can still travel 40 miles per hour even if you only drive for thirty minutes.

当你有余额而没有全额还清你的卡时, 我们将按年利率向您收取利息, but calculated in terms of how long you’ve carried that balance.

A primary advantage of debit cards is that they can help you stay on budget – because the purchase is debited out immediately from money you already have. 用借记卡透支是比较困难的.
Another advantage of a debit card is that it usually comes with no fees and an easy application. You don’t need a high credit score to qualify for a debit card. All of Patelco’s checking accounts come with a no-fee debit card.
A primary advantage of credit cards is that they allow you to make larger purchases that you may not have the cash for right now – such as an appliance or an unexpected car repair.
Another advantage of credit cards is that they are an easy way to build your credit history and (when used properly) increase your credit score. Having an established credit history and a good credit score can help you get a better loan later for buying a car or a house.
你是需要借记卡还是信用卡, Patelco has options – and we’re always ready to talk to you if you need help deciding whether to use a credit card or which credit card to apply for. 参观我们的分支机构或打电话给我们. 或者，如果你准备好了，可以在网上申请.

信用卡的收费主要有三种: 交易费用, 滞纳金, 年费. 费用不同于利息, which is charged when you don’t pay off your card in full each month.
交易费用
Many banks charge 交易费用 for things like going over your limit or making balance transfers. At Patelco, our cards do have fees for taking a cash advance or making a foreign purchase. Most of our cards have zero balance transfer fees or overlimit fees. Check out the benefits of individual cards to see if any fees apply. We think you’ll be delighted how many fewer fees we charge as compared with banks and even other credit unions.
滞纳金
If you pay your card late, we may charge up to $15 as a late fee. 这比许多银行收取的费用要低.
年费
当信用卡有年费时, that’s usually because the card has excellent perks and rewards. 这笔费用用于帮助支付这些福利的费用. Patelco’s cards have no fee, even the ones with great additional benefits.
节省信用卡费用
我们的 费用表 列出了我们信用卡的所有费用. 当您申请并收到我们的卡时, we’ll list any potential fees in a disclosure that you’ll get after opening the account. 大多数信用卡费用是可以避免的.

You have the flexibility to redeem your points for what you want and when you want. Points can be redeemed for cash back to your Patelco 检查 or 储蓄 account or apply it to your balance, 礼品卡, 旅行和更多.
Your points do not expire and can be redeemed as long as your account is open.