Wait a minute I got a question...maybe I'm missing something what if you make a whole bunch of purchases In the very 1st day of the month and then pay the whole balance on the very last day of the month. Wouldn't you still be charged interest since it's charged daily?
It all depends on whether you are still in the interest-free grace period or not. I've got a really short video explaining it: th-cam.com/video/TYK5GA4uYwU/w-d-xo.html
@@Aid-1- It is my understanding there is no interest charged as long as on make the full payment before the payment due by date I pay my card off every month and have not paid interest in several years.
Incredibly helpful video. Isn't it crazy that we aren't properly educated on these things in school? Why don't we just have a class called "Life"?! Instead we either have to figure them out ourselves, or being affected by them without our knowing or understanding. Thanks for putting together such a helpful video.
If we all took this class then the banks wouldn't make any money off us. There is financial incentive for us to be slaves to the system. That's why! It's intentional!!!
We will also need classes in automotive maintenance (to understand if not do it), groceries management, meal preparation, electricity bills, water bills, gas bills, checking and savings account management, child rearing, pet care, how to use appliances small and large, water safety, travel management, law (including how it's enforced), tax preparation, how to be a student past high school (college, trade, etc.), debt management, how to cross the street, and Don't Forget To Breathe. Children's schools cannot teach everything. What they can teach are basic skills to help us understand and learn. We should learn at least basic math skills, reading comprehension, effective writing / communication, logic, and the importance of USING these skills. One hopes that parents and guardians will see to the additional education children need. Having said all this, I'll propose that children's schools could at least consider assessing needs, and developing and offering some additional "Life" classes.
If schools started teaching more about this enormous trap, the banks would steal less money from us. The banks deeply hate critical-thinkers who make sagacious decisions with credit cards.
Finally someone who knows what they are talking about and doesn't just say a load of nonsense in some pathetic attempt to sound intelligent. Well done for explaining in a way that is understandable.
I GET IT NOW! This is so simple! But no one ever explains it! Thanks! Is there anything to look for when getting a credit card if you plan to pay it off in full I.e. boosting rewards and credit rating?
Best advice is to find a nice simple card that gives you 2% cash back on everything! I believe the Citi Doublecash does this. Other good ones are like Chase Freedom and Discover IT which give 5% cash back on different spend categories each quarter. I would avoid cards with annual fees.
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Thank you so much!!! I couldn’t wrap my head around how APR was precisely calculated although I knew it had to do with the interest (and you shouldn’t pay interest anyway) until watching THIS video! I love how thorough you are! I love the graphs, the different financial scenarios, and how you showed us all of the math and explained throughout! Yay!🤍
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Dude thank you! Some of us need to understand the details of things to understand it at all. Please make more videos. I really appreciate you not rambling on in your intro like a lot of you tubers do and keeping things simple and clear!
Thanks so much for this video! Breaking down the interest with simple math is so helpful. The credit card industry is so insidious with their deceiving "rewards". Rewards will never out win interest accrued. Most people carry a balance monthly. It's all a psychological game that sadly has to be learned the hard way for so many people.
I legit thought it was 25% of my balance every month 😂😂 so my 300 dollar golf clubs I want are possible! I thought I would get charged 85 bucks a month LOL. 9 extra bucks isnt bad after all!
Thanks for helping me understand this. I would always calculate Apr by multiplying the FULL Apr to the monthly balance. Boy was I off! Bless you brother
Even though I'm pretty good with money and learned about finance in high school, I still didn't know how credit card interest and apr actually worked. Thanks for this great video!
this is by far the best explanation ive gotten on the APR calculation...makes alot of sense to me... thanks so much mr Peterson for advising me since am a new credit card holder.
Please make another video about how to get that "Grace period" back after you've made the mistake of carrying a small balance!! Thank you!! This is the video that has made the most sense in explaining the banks' shenanigans!!
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Finally a credit video that actually helps people working to pay down revolving credit. This means that paying as much as you can immediately after the closing date helps reduce interest.
I finally understand the meaning of the financial terminology! I could not have comprehended the highlighted terms without your explanations. Even though I have good math skills, I cannot interpret the meaning of most financial statements.
Thank you. I even called a bank to explain how it works and I came out from it knowing less. Your explanation is one of the few with actual math work. Thanks again!
This is an outstanding explanation. Thanks for making the video. I always pay my cards off in full and never cared about apr. Was just curious and you did an amazing job.
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You know I love the video and I do confess to being confused when I first heard of this with words like 'AVERAGE' 'DAILY' 'BALANCE' 'PERIODIC RATE' 'APR' 'INTEREST' 'RATE'. But sit down and breathe. It's really simple math people. Breakdown the words. Underline 'DAILY BALANCE'. Every starting day, what was your starting balance? Add all those up and then find the 'AVERAGE' [of that particular billing cycle]. Then divide your APR with all the days in that one particular year. Then multiply that number by the days in the particular billing cycle. I get it. I've been there. Seems too complicated but reality is that it's simple arithmetic. Finance has a way of making it all seem like a Chris Angel or David Copperfield Show. Or David Blane or who ever you like. Great video though. But I honestly think you made it a bit more complicated than it is.
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This is so helpful. Thank you!! I’ve tried to ask and look up the answer of what actually happens when you’re late, but people will just say “don’t be late.” Obviously, that’s what I’m aiming for, but if I am, I want to know how to mitigate the damage or if there even is damage to mitigate. I wasn’t sure because no ever explained how this works to me.
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Super helpful. Was always wondering about when the interest started accruing based on time of purchase and when the bill was due. Turns out I can pay it sooner and save some money!
Wow I never knew that. I’ve always thought the full apr was charged every month lol. I guess that’s why I never carried a balance terrified of possible paying 26 percent interests month. But from my understanding of your explanation I was waaaayyyy off lol
Thank you!! Been taking notes all day on credit cards to build credit. If you could maybe do a video on starting credit and how to build it for people with no credit. Possbly recommend a few places as well. Thank You!
Keep in mind that most banks and credit cards call a year 360 days instead of 365 days and 30 days for a month instead of 31 days. So use the same formula in the video but divide by 360 instead of 365 and multiply by 30 instead of 31 days
From the example where you immediately pay off you first card usage to lower the average balance for that month, if you have a $3100 balance and then wait till the end of the month to pay it off, wouldn't that mean the average for that month is $3000 compared to only $100 if you paid it off on the first day?
Wait a minute I got a question...maybe I'm missing something what if you make a whole bunch of purchases In the very 1st day of the month and then pay the whole balance on the very last day of the month. Wouldn't you still be charged interest since it's charged daily?
Unless you pay your credit card after every charge?? Idk someone please explain this to me.
It all depends on whether you are still in the interest-free grace period or not. I've got a really short video explaining it: th-cam.com/video/TYK5GA4uYwU/w-d-xo.html
why would interest be charged, if you pay of the whole balance at the end of the month???
@@Aid-1- It is my understanding there is no interest charged as long as on make the full payment before the payment due by date I pay my card off every month and have not paid interest in several years.
yep, as long as you make your payments, no interest charge. When you're late however, uh oh, get that taken care of as soon as possible. @@Aid-1-
Incredibly helpful video. Isn't it crazy that we aren't properly educated on these things in school? Why don't we just have a class called "Life"?! Instead we either have to figure them out ourselves, or being affected by them without our knowing or understanding. Thanks for putting together such a helpful video.
seriously bro
If we all took this class then the banks wouldn't make any money off us. There is financial incentive for us to be slaves to the system. That's why! It's intentional!!!
We will also need classes in automotive maintenance (to understand if not do it), groceries management, meal preparation, electricity bills, water bills, gas bills, checking and savings account management, child rearing, pet care, how to use appliances small and large, water safety, travel management, law (including how it's enforced), tax preparation, how to be a student past high school (college, trade, etc.), debt management, how to cross the street, and Don't Forget To Breathe.
Children's schools cannot teach everything. What they can teach are basic skills to help us understand and learn. We should learn at least basic math skills, reading comprehension, effective writing / communication, logic, and the importance of USING these skills.
One hopes that parents and guardians will see to the additional education children need.
Having said all this, I'll propose that children's schools could at least consider assessing needs, and developing and offering some additional "Life" classes.
It's sad but true, parents don't do a good enough job raising their kids that we need to rely on others to teach us life skills.
If schools started teaching more about this enormous trap, the banks would steal less money from us. The banks deeply hate critical-thinkers who make sagacious decisions with credit cards.
The is the most comprehensive explanation I've seen on APR and how it's actually calculated. Great video!
truly
yes! could not agree more!
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You my friend have dumbed this down so well that ANYone will understand it. I am 60 years old and never realized exactly how this was calculated.
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Finally someone who knows what they are talking about and doesn't just say a load of nonsense in some pathetic attempt to sound intelligent. Well done for explaining in a way that is understandable.
Hey that means a lot! Thanks man!
@@WillPeterson hey will. This was so amazing and simple. whats the software you used to illustrate the balance vs billing cycle?
I GET IT NOW! This is so simple! But no one ever explains it! Thanks! Is there anything to look for when getting a credit card if you plan to pay it off in full I.e. boosting rewards and credit rating?
Best advice is to find a nice simple card that gives you 2% cash back on everything! I believe the Citi Doublecash does this. Other good ones are like Chase Freedom and Discover IT which give 5% cash back on different spend categories each quarter. I would avoid cards with annual fees.
LockonKun I don't get it
Not sure I can agree
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im going to be working for American Express soon, so i want to become a straight wizard at credit cards, and you're helping me reach the goal my man !
Thank you so much!!! I couldn’t wrap my head around how APR was precisely calculated although I knew it had to do with the interest (and you shouldn’t pay interest anyway) until watching THIS video! I love how thorough you are! I love the graphs, the different financial scenarios, and how you showed us all of the math and explained throughout! Yay!🤍
Great to hear!
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Dude thank you! Some of us need to understand the details of things to understand it at all. Please make more videos. I really appreciate you not rambling on in your intro like a lot of you tubers do and keeping things simple and clear!
After a lot of shuffling through not so helpful videos, this one is really well explained and amazingly eye-opening explanation. Thank you so much!
This guys a wizard. Truly blew my mind.
Thanks so much for this video! Breaking down the interest with simple math is so helpful. The credit card industry is so insidious with their deceiving "rewards". Rewards will never out win interest accrued. Most people carry a balance monthly. It's all a psychological game that sadly has to be learned the hard way for so many people.
well explained. My bankers were unable to explain thorough so i am glad you did. saved me time
I legit thought it was 25% of my balance every month 😂😂 so my 300 dollar golf clubs I want are possible! I thought I would get charged 85 bucks a month LOL. 9 extra bucks isnt bad after all!
ATTIPAT501 THIS IS WHAT I THOUGHT TOO! I was freaking out lmao 😂
Yes. Possible considering you are able to pay the $300 back in time
BROOOOOOOOO! I swear thats what i thought !!!!! I was about to be screwed lol
Omg me too!!!
ATTIPAT501 you’re not the only one
WOW! This video should be mandatory for all high school students to see! Great job! Finally... clarity!!!
THANK YOU!!
Thanks for helping me understand this. I would always calculate Apr by multiplying the FULL Apr to the monthly balance. Boy was I off! Bless you brother
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This should be the top video watch 3 videos and still didn’t get it thank you
Within the first minute you explained better than anyone has done in all the videos I have watched! Thank you!
A+. I googled and watched other videos and this one answered my question and clarified things immediately. Very well done.
Even though I'm pretty good with money and learned about finance in high school, I still didn't know how credit card interest and apr actually worked. Thanks for this great video!
this is by far the best explanation ive gotten on the APR calculation...makes alot of sense to me... thanks so much mr Peterson for advising me since am a new credit card holder.
Wow, what an amazingly clear and straightforward explanation. I thank you so much for that.
I wish you where my teacher in every class in school. The way you explained this was so understandable....
Fabulous! You have simplified it in such a direct manner that anyone can understand. Thank you for teaching it in an uncomplicated and swift manner!
The only video you need, this couldnt be taught any better.
Awesome video man. Thanks for taking the time to put it out there in such an easy to understand format. Also extra points for the visuals!
Joseph Kemp I appreciate the feedback! Glad it helped
Please make another video about how to get that "Grace period" back after you've made the mistake of carrying a small balance!! Thank you!! This is the video that has made the most sense in explaining the banks' shenanigans!!
agreed! i want this video!
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My husband DOES NOT cheat on me, and I don't cheat on him!! I love him and my children too much to commit such stupidity!!
I don't have Whatsup!! If this has nothing to do with this conversation, what are you doing here!?!
Finally a credit video that actually helps people working to pay down revolving credit. This means that paying as much as you can immediately after the closing date helps reduce interest.
Will Peterson, you chunks it down to easy understanding for dummies like myself.
I finally understand the meaning of the financial terminology! I could not have comprehended the highlighted terms without your explanations. Even though I have good math skills, I cannot interpret the meaning of most financial statements.
That means a lot! Thank you
Man. This is a whole another world to terms to know...
thank you.. i was panicking because i wasn't exactly sure how the math worked after having some tough financial months.. thanks again
Amazing job... can't believe this isn't taught in schools!
P.s I studied business at university and they still didn't explain this.... or taxes SMH
Thank you. I even called a bank to explain how it works and I came out from it knowing less. Your explanation is one of the few with actual math work. Thanks again!
Glad it was helpful! Let me know if there's anything else you are confused about
Dude. You are AWESOME.
This is an outstanding explanation. Thanks for making the video. I always pay my cards off in full and never cared about apr. Was just curious and you did an amazing job.
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I’m still confused a bit, I thought you don’t pay interest rate if you pay your bill before the end of the monthly cycle?
Brilliant explanation!
Beautifullllllllll. Lovely video! Great, clear, concise, informative points! Saving this video to watch again for future reference :) thanks !
Super clear illustrative video . Big thanks for the great simple work here 🙂
Excellent job at explaining, subbed in 2019👍🏼👍🏼👍🏼
You know I love the video and I do confess to being confused when I first heard of this with words like 'AVERAGE' 'DAILY' 'BALANCE' 'PERIODIC RATE' 'APR' 'INTEREST' 'RATE'. But sit down and breathe. It's really simple math people. Breakdown the words. Underline 'DAILY BALANCE'. Every starting day, what was your starting balance? Add all those up and then find the 'AVERAGE' [of that particular billing cycle]. Then divide your APR with all the days in that one particular year. Then multiply that number by the days in the particular billing cycle. I get it. I've been there. Seems too complicated but reality is that it's simple arithmetic. Finance has a way of making it all seem like a Chris Angel or David Copperfield Show. Or David Blane or who ever you like. Great video though. But I honestly think you made it a bit more complicated than it is.
I wish I could like this video 100 times. Quick and very informative. Thanks
wow, this is a very nice and professionally done video presentation. the audio/visual are good job well done.
Thanks showing the actual example made it so much easier keep up the good work 💪🏽
I know it’s 5 years later, but Thank You so much for this video and explaining the math! You Rock!!
thank God. Been looking for a good explanation all night and finally found this vid. Thank you.
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Bro you explained what I needed to know in the first minute. Thank you
I have never paid interest in past five or six years and wanted to know how it actually worked. Great video
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Great informative content
This is so helpful. Thank you!! I’ve tried to ask and look up the answer of what actually happens when you’re late, but people will just say “don’t be late.” Obviously, that’s what I’m aiming for, but if I am, I want to know how to mitigate the damage or if there even is damage to mitigate. I wasn’t sure because no ever explained how this works to me.
Thank you for explaining APR in such an easy to follow manner.
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this is the most easy to follow video i have found thus far. Thank you
30 years old and some of this is new information to me! Keep up the great work!
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Wow bro. You explained it perfectly. 100 % made sense. Subscribed. Thank you
Excellent explanation. I actually saved your video so I can refer to it if I need to. Thanks alot
OMG finally someone explained this!! THANK YOU!!
An absolutely excellent explanation. Thank you.
Very logical, on point, and professional video. Thanks.
Yo! this was great!! This is the kinda thing they should be teaching in school.
Great video. I just have to watch it at least 100 times to understand it 100% I'm at about 93% of comprehension.
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Old but still great. This is exactly what I was looking for, thanks ! Great video !
omg this video is so helpful, thanks so much! the diagram graph you showed was critical
brilliant explanation, I may need to watch it a few more times but i think I get it😁 Good work!
Thank you will peterson for explaining and teaching
I've been looking for a video to better understand APR.....Great video, so easy to understand and awesome examples!!!
Super helpful. Was always wondering about when the interest started accruing based on time of purchase and when the bill was due. Turns out I can pay it sooner and save some money!
you are such a good teacher! thank you!
This inf was exactly what I was looking for . Thanks
I’m with you. 31 and still learning “LIFE”!
Nice im 21
About to turn 22 and just got my first credit card. This video was VERY helpful. Thanks so much!
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Wow I never knew that. I’ve always thought the full apr was charged every month lol. I guess that’s why I never carried a balance terrified of possible paying 26 percent interests month. But from my understanding of your explanation I was waaaayyyy off lol
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Thank you for the explanation. Most adults I asked didn't care to understand how it worked.
Your video is very helpful.I watched full ad. Hope it will be deserved for you.
This was a really good video - I assumed it was done on a monthly basis, didn't realize it was a daily balance. Thanks a lot!!
Thanks so much for this video! trying hard to understand this so i can get out of this debt
Impressive and thorough. Helpful and smart graphics. Well done sir.
Thank you!! Been taking notes all day on credit cards to build credit. If you could maybe do a video on starting credit and how to build it for people with no credit. Possbly recommend a few places as well. Thank You!
Keep in mind that most banks and credit cards call a year 360 days instead of 365 days and 30 days for a month instead of 31 days. So use the same formula in the video but divide by 360 instead of 365 and multiply by 30 instead of 31 days
That was super helpful, I’ve actually learned something, thank you!
i can say I learned 1 thing in quarantine! haha
Finally a proper explanation thank you!!
Extremely helpful video. Thank you. So smart. I wish I were as good at math as you!!!
You explained this so much better than my professor. Thank you!
Good stuff. Well articulated.
high quality visuals. Thanks
So detailed great video so much more to the APR than most people realise....cheers
MY MAN! This is the video I was looking for. Thanks brother
Amazing video Will! Simple and easy to follow through, keep doing this great work 👍
thanks for the feedback Abhishek!
Amazing video! Thank you so much. Helped me out a ton!!
Wow, amazing information! Now I understand how it works. Thank you Sir!
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Thanks mate. Awesome job with the explanation
Yo bro this video was Clear as daylight!!! Now i fully understand my credit cards and how interest is applied
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extremely great visuals!
You made is seem so simple. Thank you for explaining this!
This is an insanely good explanation of this whole credit card ordeal. Thank you very much!!! I subed. 😉
I finally get it now… I thank you for this
Great detail. Excellent job with this video!
This Man Is A Genius!! My Mentor!!! Thanks so Much!!!
Haha thanks for the support!
Bro - these are keys man. You've changed the way I move.
Master Class right here, thank you!
So as long as I pay off my whole balance by the end of the billing period, intrest or apr isn't a problem to me
From the example where you immediately pay off you first card usage to lower the average balance for that month, if you have a $3100 balance and then wait till the end of the month to pay it off, wouldn't that mean the average for that month is $3000 compared to only $100 if you paid it off on the first day?
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