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A Credit Card Surprise for Me!

November 29th, 2012 at 02:46 am

I have only 1 credit card left to pay off which I had believed was at 18.99% APR. I made a payment of $36.46, which I thought would get me from $1,698.82 to $1,689.24. Well I signed onto my account, and low and behold the balance was $1,662.36! This was WAY below what I thought it would be.

So I did some math (using the tools here on savingadvice.com) and I discovered that my current APR for this credit is 0%!! OMG! I had NO idea that I had a 0% APR! The last time I checked it was over a year ago (basic training and now deployed). I have no access to the statements (they don't put them online) and it doesn't tell you what the APR is on the website, only the current amount due, past due, minimum payment and the ability to make a payment. It's a very basic site.

My plan will still have me paying off the card by March 2013 but that was with an 18.99% APR projection. Now that I know it is a 0% APR I'll won't have to pay any interest fees! YAY ME!!

3 Responses to “A Credit Card Surprise for Me!”

  1. Andrew Jackson Says:

    Hi there!

    This is Andrew,a financial counselor.I enjoyed some of your articles posted on your site mymoneymatter.savingadvice.com.I must appreciate your hard work and wish you good luck.
    I'm Interested in submitting a post on a relevant topic that is still need to cover.Let me know what you think.
    Thanks for your time!..Smile
    Looking forward to your reply.
    Best regards,
    Andrew Jackson

  2. Sian Says:

    thanks andrew! you would need to give me more information on what it is that you would be covering.

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