10.Credit Card Interest Expense

    信用卡利息

    Monthly interest can be a huge expense for those with a large debt. Making only a minimum payment means the monthly interest eats up most of your payment. Reducing interest can mean more money for other expenses or paying off debt faster.

    每月如果你有大量负债的话肯定会产生巨大的利息。保底消费就意味着你每月的大部分消费都是用来支付利息的。你可以通过其他消费或早一点还请贷款来降低利息。

    One way to lower your interest is to simply ask for a lower interest rate. Companies will often oblige to keep your business. If they don't, consider a balance transfer to another card with a better rate. Read the fine print, though, balance transfers sometimes offer rates that go up after a period of time and usually involve fees.

    减少利息最简单的方法就是向信用卡公司要求更低的偿还利息。这些公司为了保住客户，会答应你的要求。如果他们不同意的话，就将信用卡的帐目转到另一张利息更好的信用卡上。但是，要看清楚文件，因为结余转户有时候在一定时期后利率会更高，并且都会产生手续费。