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网银的遵循普遍原则:先息后本。先归还所有已经Accrual的利息,再还本金。从银行角度来说,这个做法更保守和安全。
柜员人工操作的交易往往可以override普遍原则,可以直接全部去还本金了,从计算逻辑上来说,全部去还本金对客户来说更合算。毕竟多还的本金马上就可以不计息了;而提前还的Accrual利息(已计未结利息)本来就不会再计算利息。所以这个做法,更“讨好”客户。
-jianghongca(慎独); 10-24 {360} (#16351602@0) +3获得ld单独的AMEX Cobalt卡。现ld的卡是我的附属卡. 但是这样我能得到referla bonus 么? if not, sign up another card, like gold rewards card, 70K free point 也不错,但我有referral bonus 么? kind of confuses these kind of referral policy.. thanks for advise
AMEX Cobalt, monthly spend 750 / month will give your 1250 point, so add up 15K. 5X for food grocery and fast food restaurant and uber eat so it can accumulated very fast for point.
-redhair(bluebird); 10-17 {445} (#16337619@0) +2