Question 1

What is a fixed-rate mortgage?

Accepted Answer

A fixed-rate mortgage has an interest rate that remains constant throughout the entire loan term (typically 15 or 30 years). Your monthly principal and interest payment stays the same, making budgeting predictable. This protects you from rising interest rates but won't benefit if rates drop unless you refinance.

Question 2

How do I get a debit card?

Accepted Answer

To get a debit card, open a checking or savings account at a bank or credit union. Most institutions automatically provide a debit card when you open an account. You can apply online, in-branch, or by phone. The card typically arrives by mail within 7-10 business days, and you'll need to activate it before use.

Question 3

What does statement balance mean on a credit card?

Accepted Answer

Statement balance means the exact amount you owed when your billing cycle ended. Paying this amount in full by the due date helps you avoid interest charges on purchases (during the grace period). It differs from your current balance, which includes new transactions made after the statement was generated.

Question 4

Should I pay statement balance or current balance?

Accepted Answer

To avoid interest charges, pay at least the statement balance by the due date. Paying the current balance (which includes newer charges) can help keep your credit utilization lower and may give you a head start on the next billing cycle, but it's not required to maintain the grace period.

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Frequently Asked Questions

What is a fixed-rate mortgage?

How do I get a debit card?

What does statement balance mean on a credit card?

Should I pay statement balance or current balance?

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