最近我们家刚做了reno，对4）0% balance transfer from MBNA 比较感兴趣。我刚到MBNA看了下这个信用卡，有个问题想跟斑竹了解，这个卡transfer balance的前10个月是无息的，但是我留意他的条款里有提到一个费用，在Other Fees的那一项里。我想确认，我如果想转$10000块到这个信用卡，头10个月是无息的，但是转这笔帐的手续费他要收我1%，也就是$100的手续费呢？谢谢。
| Annual Interest Rates | † Promotional rates: (for eligible transactions that post to your account within 120 days of your account opening)
Balance transfers: 0% for your first 10 billing cycles.
Access cheques and deposits: 0% for your first 10 billing cycles.
This/These rate(s) may increase earlier to your Standard Rate(s) if you: (1)Do not pay your total minimum payment due by the total minimum payment due date; or (2)Exceed your credit limit.
| Standard Rates: | Retail: 17.99% |
| Balance transfers:19.99% |
| Access cheques and deposits: 19.99% |
| Cash advances: 19.99% |
Default Rates: Your Standard Rate(s) will increase by 5% if your total minimum payment due is late more than once within 12 consecutive billing cycles. If you then pay each total minimum payment due on time for 12 consecutive billing cycles following the rate increase, your then Standard Rate(s) will decrease by 5%.
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| Interest-free Grace Period | You will not be charged interest on each new purchase for a minimum grace period of 21 days if you pay the new balance total in full by the total minimum payment due date for the account statement on which such new purchase first appears. You will always be charged interest on balance transfers, access cheques, deposits and cash advances from the date such transactions occur. |
| Minimum Payment | Your total minimum payment due will be the sum of the current payment due plus the past due amount subject to a minimum of $15. The current payment due will be the sum of:(1) 1% of your new total balance (excluding any new interest charges); plus (2) all new interest charges. If your new balance total is less than $15, the minimum payment will equal the new balance total. |
| Foreign Currency Conversion | All transactions (including returns) and payments made in a foreign currency will be converted to Canadian dollars. Transactions will be converted at a rate equivalent to MasterCard’s benchmark rate in effect on the date that we process the transactions, plus an amount equal to 2.5% of the transaction amount after it has been converted. Payments will be converted into Canadian dollars at a rate equivalent to the Bank of Canada rate reported at the close of business on the day immediately preceding the date that we process the payment, plus an amount equal to 2.5% of the foreign currency payment amount. |
| Annual Fees | None
There is no annual fee. |
| Other Fees | To be charged on the day the transaction or event occurs:
Transaction Fees
- Wire transfer: 1% of wire purchase amount (minimum fee of $7.50)
- Balance transfer: 1% of amount advanced (minimum fee $7.50)
- Access cheque or deposit: 1% of amount advanced (minimum fee $7.50)
- Cash advance: 1% of amount advanced (minimum fee $7.50)
Account Fees
- Over the credit limit: $25.00 per billing cycle
- Returned payment: $20.00 per occurrence
- Returned access cheque: $20.00 per occurrence
- Extra copy of account statement or sales draft: $2.50
- Inactive credit balance: If your account is inactive and has a credit balance, we will charge you annually on the date that your account was last active the lesser of: (1) the credit balance; or (2) $25
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