有哪家银行的信用卡收利息不是那样的？ANZ的好黑啊

雨在这里

如同，上个月买了点东西，因为要回国了，大家都会SHOPPING，你懂的！忘记把钱给还进去了从SAVING ACCOUNT.
没办法EFPOS刷不了多少钱，必须用CREDIT CARD啊。结果就收了快200的利息。现在已经都付完了欠的钱。
我卡透支上限快2万。一个不小心，就被宰了，其实也要怪自己。银行有给我发信的。
不知道别的银行的CREDIT CARD是不是也是这样收费的？如果不是，我就换个银行，不是没钱啊！我的ANZ 如下：
Hi

We have made some changes to ANZ credit cards that we would like to let you know about.

PIN numbers
From 31 March 2014 all ANZ credit cards will need to have PIN numbers loaded on them to be able to be used in New Zealand. Why?
•         Having a PIN on your card reduces the risk of credit card fraud.
•         If you don’t have a PIN loaded on your credit card you may not be able to use it for some purchases after 31 March 2014 (this does not affect Contactless transactions).

What do you need to do?
If you don’t have a PIN number on your card, come into any ANZ branch and choose your own PIN (you’ll need to bring some photo ID such as your driver’s licence or passport).

A change to the way we charge interest on ANZ credit cards*
From 8 November 2013, if you do not pay all of the closing balance specified in a statement by the due date, then interest will be charged on:
•         each item making up the closing balance of that statement; and
•         any purchases made, and fees and charges incurred, after the closing date of that statement.

Interest will be charged from the date those items were charged to your account (rather than from the opening date of your next statement) until the closing date of your next statement, taking into account any payments made to reduce the amount outstanding.

What does this mean for you?
•         If you always pay your balance in full each month by the due date, or you always pay only a portion of your balance each month, this change won’t affect you.
•         If you pay your closing balance in full but miss your next full payment, then interest on transactions will be charged from the date of the transaction rather than from the statement opening date. This may include charging interest on transactions made in the previous statement cycle.

For tips on how to minimise the amount of interest you pay and get the best from your ANZ credit card, visit anz.co.nz/mycreditcard.

These changes apply to all ANZ credit cards including Business, Corporate and Purchasing cards with the exception of ANZ Freestyle MasterCard.

Using your credit card overseas
For added flexibility when travelling, all ANZ Visa cardholders can now use their card to access their ANZ cheque or savings accounts at overseas ATMs (this option is already available for ANZ MasterCards).

All you need to do is make sure your accounts are linked to your card – you can arrange this by coming into any ANZ branch.

For more information
If you would like to know more about these changes, please call us on 0800 269 753. Thank you for choosing ANZ.

Your sincerely

萨米

的确是个trick。。。忘记哪个网站就讨论过这个问题