Separate names with a comma.
Discussion in 'Credit Talk' started by kev, Feb 18, 2001.
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RE: not dave.
You have incurred other "interest" charges during the month, to make the "effective APR" higher than the actual APR.
Ie , if i cash advance $300 out of my capitalone , they will charge like $9 or $10 fee (as interest) for a cash advance. This would change my otherwise effective 19.8% carryover interest for the month on a balance of say $800 from $12 to $22, which (pardon my math it doesnt add up exactly) is the difference between the 19.8% and the 40% relatively speaking.
Yearly fees', upgrade options, late charges, cash advances all can alter your effective APR because in fact, they are being charged as added interest items.