Why the convenience checks by credit card are bad for your finances

Does your credit card transmitter send you blank “convenience checks” with your statement? If so, do you use them or just throw them away?

Well, you are probably better to tear them and put them to the trash.

Here are some problems with “convenience controls”.

1) Hidden costs. If you drop a convenience check on your credit card in your Check account, but you have exceeded the fund advance limit, you may be charged overdraft fees. In addition, if you use this type of check to pay an invoice – then find out that the retailer does not accept them, you may be subjected to returned check fees.

2) less protection. The Fair Credit Billing Act guarantees the credit card buyers. For example, the FCBA allows for refunds for defective goods and the possibility of challenging false charges on your account. However, when you use a convenience check, you do not have any one of that. If something goes wrong, you have a lot of luck.

3) No bonus points. Many people receive credit cards to harvest reward points. However, if you use convenience checks (in), you do not get a reward points. No miles, no refund, no free gas, no membership in Costco. Nothing.

4) Fees and high interest rates. Generally, card companies charge you a lot more than you pay for your non-convenience check balance. The exact amount varies, but it is often twice as a steady balance. For example, if your regular card invites you 11%, the interest rate on the check could be 22% or more.

In addition, you will probably be stuck with a 2-5% tax on the check you write. So, if you write a convenience check for $ 300, you could stiffen with fees from $ 6 to $ 15.

5) Repayment restrictions. Look at that. Some card issuers impose that you can only repay your check than after unloading the balance of your card first. Okay, so for example if you are wearing a $ 5,000 balance on your card, you must return this before processing convenience control funds. Of course, this is a problem because you will probably present a lot of interest when the card balance is paid. Naturally, this is buried in fine printing.

Finally, the recent promulgation of the Credit Cardholder Law Acts Act (Credit Card Act) means that many card companies increase interest rates and Require new costs before the law limits its ability to do so. In this type of environment, look for convenience control fees to be even higher and even more difficult repayment restrictions.

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