Hvis du kigger på et kreditkort, så du kan være på udkig for at vælge mellem en variabel rente eller fast rente kort. Selv om fastforrentede kort er nemme at forstå, kan arbejde ud af, om en variabel card er rigtige for dig eller ej være vanskeligere. Hvis du er interesseret i at lære om variabel rente kreditkort, så er her nogle af ulemperne og fordele af sådanne kort.
Hvad betyder variabel?
En variabel rente kort betyder, at renten på kortet vil ændre sammen med den Bank of England basissatsen. Kortudstederen vil spore Bank of England basissatsen og derefter tilføje en procentdel til at. For eksempel, hvis basisrenten er 4% og kortudstederen tilføjer 5%, så din kreditkort sats vil være 9%. Hvis basissatsen øger eller reducerer ændres din rente. For eksempel, hvis basissatsen faldt til 3,5% ville derefter din sats reducere til 8,5%.
Omkostningerne ved en variabel rente
Variabel rente kort er generelt billigere end fastforrentede kort, selv om du har naturligvis den potentielle risiko for renten stiger over tid. Selvfølgelig, gebyrer og andre betingelser i variabel rente kort varierer fra udstederen til udstederen, og du skal shoppe rundt til at finde en pakke der passer til dine egne behov.
Renten lav
I øjeblikket er at få en variabel rente kort korrekt en god satsning, fordi renten har været lav eller faldende i det sidste årti eller deromkring, og der er ingen tegn på at de vil hurtigt stige i den nærmeste fremtid. Selv hvis de øger, renten tage et stykke tid at stige betydeligt, og selv en ændring på 1% kan tage et år eller så. Selvom stole på markedet for at få lavere er ikke en god måde at vælge et kreditkort, for øjeblikket ser markedet temmelig godt for at få variabel rente kort.
Faste lån kort
Selv om variabel rente kort har generelt højere renter, kan du i det mindste være sikker at satsen ikke vil ændre løbet af de næste par år. Hvis du ønsker fred i sindet at din renten vil forblive den samme, så en fast rate card vil være et godt valg. Hvis renten stiger i denne tid, så du ville helt sikkert spare penge samt at have sikkerhed. Hvis du tror renterne vil stige så gå efter en fast rate card.
Afbetale din balance
Selvfølgelig, er om du får en variabel rate card eller fastforrentede kort irrelevant, hvis du betaler din saldo i fuld hver måned, fordi du ikke vil betale renter. Hvis du er en person, der betaler deres balance i fuld regelmæssigt, så du bør få en variabel rente kort, som satserne vil sandsynligvis være billigere hvis du ikke betale balancen.
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