Credit Card

https://www.travelwithless.net/single-post/2016/06/03/%E6%9A%91%E5%81%87%E5%9B%9E%E5%9B%BD%E5%93%AA%E5%AE%B6%E7%BE%8E%E5%9B%BD%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%BC%BA%EF%BC%9F

2. Dynamical Currency Conversion

中文翻译是动态货币转换，简称DCC。DCC是一种服务，仅Visa/MasterCard提供，American Express和Discover并没有。这个服务简单来说，就是将消费的当地货币实时转成美金进行扣除。乍一听好像是个很不错的服务，但其实是Visa/MasterCard的赚钱手段，因为这个实时转换汇率通常会比银行的要高不少，一般在3-4%。

 

如何判断被DCC了？刷卡之后的收据上会有这么两个信息：1) 美金结算的价格；2) 类似I declare that I have been offered a choice of payment currencies and my choice is final. I understand that the currency conversion is not provided by VISA这样的话。

 

如何避免被DCC？理论上来说，商家刷卡的时候是应该问你要按什么货币结算的。这个时候一定要说按当地货币（也就是人民币）结算！如果没有被问的话，八成就是直接被DCC了。

 

如果被DCC了怎么办？请记得拒绝签字，要求收银员取消交易，重新刷卡。有的收银员可能业务不熟练，你可以帮帮她。具体的trick就是在输入完消费金额，按确认键之后要立刻再按cancel键，这样就会弹出选择框，是问要人民币还是美金结算了。退一万步说，如果真的当场被DCC了也没有办法取消重刷什么的，保留收据，回来找银行客服撕逼...（以后会分享撕逼的一些技巧..）

3. 出国旅行的时候不要忘记通知银行，设置一个travel notice。异常的消费（比如不熟悉的地区）很容易引发fraud alert，银行直接decline消费，造成不必要的麻烦。

if your card doesn't charge international transaction fees, always pay in the local currency

https://www.creditcardinsider.com/learn/change-credit-card-due-date/
How To Change Your Credit Card Due Date
https://www.creditcards.com/credit-card-news/paypal-cashback-mastercard-offers-2-percent-cash-back-on-all-purchases.php

PayPal Cashback Mastercard	2% cash back on all purchases	• Unlimited 2% back on general purchases • No annual fee	• No opportunity to earn bonus rewards • Cash back must be redeemed through your PayPal account • No sign-up bonus
Citi Double Cash	2% cash back on all purchases	• Unlimited 2% back on general purchases • No annual fee	• No opportunity to earn bonus rewards • No sign-up bonus • You must pay your bill on time to earn the full 2% cash back rate

https://milecards.com/1588420932/how-to-move-chase-freedom-points-to-your-chase-sapphire-or-spouse-account/

You can’t do that with a Chase Freedom card alone. But if you have a Chase Sapphire Preferred, Sapphire Reserve card you’re eligible to do that by transferring your Freedom points into your other card’s Ultimate Rewards account.

As you can see, the PayPal Cashback Mastercard and the Citi Double Cash card earn the highest rate of cash back among these cards. Between the two cards, the Citi Double Cash appears to be the less restrictive option, since you don’t have to have a bank account with Citi to redeem your cash rewards. However – not that we recommend getting a rewards card if you don’t intend to make your payments – keep in mind that you are required to pay your bill on time to earn the full 2 percent cash back with the Citi Double Cash card.

In the short term, a card with a sign-up bonus may be more rewarding. For instance, the Wells Fargo Cash Wise Visa offers benefits such as a $200 sign-up bonus, 1.8% cash back on Android Pay or Apple Pay purchases for 12 months and up to $600 in cell phone protection. You could easily earn more cash back with the Wells Fargo than the PayPal card in the first year. Additionally, if you plan to carry a balance on your card or transfer a balance from a different card, the Wells Fargo Cash Wise Visa is your best bet, since you won’t pay interest on purchases or balance transfers for the first 12 months.

https://creditcards.chase.com/a1/sapphire/DualA
3X POINTS ON TRAVEL and dining worldwide —dash 1 point per dollar spent on all other purchases
https://creditcards.chase.com/a1/sapphire/reserve

after you spend $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.

$450 annual fee

• Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year*

• Get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 50,000 points are worth $750 toward travel*
• No blackout dates or travel restrictions — as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards

• Special benefits during your stay with The Luxury Hotel & Resort CollectionSM*
• Pay no foreign transaction fees

we calculate your interest charges each month using 
the following formula:

1. Divide your interest rate by 365 (days in the year).
2. Multiply this number by the number of days in your 
billing period.
3. Multiply this number by the balance subject to the 
interest rate.
4. Divide this number by 100.

For your reference following is the calculation of the 
interest charged to you :- 
1) Your interest Rate = 15.49 / 365 = 0.0424.
2) Days in your billing period = 30 days *0.0424 = 1.273.
3) Multiply this number by the balance subject to the 
interest rate. -- 1.273 * 17735.03 = 22579.36.
4) Divided this number by 100 ---22579.36. / 100 = 225.79

To calculate the interest on your balance, we start with 
any balance carried over from the previous day and add new
charges or fees then subtract new payments or credits. 
This gives us the daily balance for one day.
Next, we add together the daily balances for all days in 
the billing period and divide this total by the number of 
days in the period. This gives us the interest on the 

balance for the billing period.



You can avoid interest charges by paying the full 
statement balance by the due date. Even if you pay your 
current statement balance in full, you'll be charged 
interest from the date the last statement closed until the

payment for the full balance on the account was received.

Information in regards to your interest free period can be
found in your card member agreement, that came with your
card.

Under "INTEREST RATES AND INTEREST CHARGES" -

How to Avoid Paying Interest on Purchases

Your due date will be a minimum of 21 days after the close
of each billing cycle. We will not charge you interest on
purchases if you pay your entire balance by the due date
each month. We will begin charging interest on balance
transfers and cash advances on the transaction date.