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Discussion in 'Credit Talk' started by rolo, Sep 17, 2000.
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I figure about 70-80 bucks per month in interest if you pay the minimum amount each month. But I may be wrong.... however:
"You are learning well, Grasshopper!"
Barry is right. The monthly interest on $3000 at 30% would be $75, not $300. That's still high enough to make you think, though.
Whatever affection I have for my own Aspire Visa is based on the fact that there is no annual fee. I would never recommend that anyone accept an Aspire card with an $85 annual fee.
I also got an Aspire visa card, and was told upfront, the annual fee (0), and the APR (30.25%). I know the the APR is absurd, but I plan on using this card almost like I would an American Express card, only charge things that you plan on paying off when the bill arrives (the card does have a 25 day grace period, but not on cash advances). If used in that fashion, this could actually be a very convenient card, if managed correctly. Most of us are in the credit rebuilding stage, so this is a good lesson in finance management!
best of luck