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<rss version="2.0"><channel><title>Borrowing Cost Desk</title><link>https://loanscreditcards.com/</link><description>Plain-language worksheets for total cost, required payment, promotional terms, and payoff time.</description><item><title>Compare a loan and credit card on the same purchase</title><link>https://loanscreditcards.com/desk/loan-versus-card/</link><guid>https://loanscreditcards.com/desk/loan-versus-card/</guid><description>Put amount, rate, fees, payment rule, payoff date, and flexibility into one cost schedule.</description></item><item><title>Turn borrowing disclosures into a cash-flow worksheet</title><link>https://loanscreditcards.com/desk/apr-fee-worksheet/</link><guid>https://loanscreditcards.com/desk/apr-fee-worksheet/</guid><description>Record what you receive, what you pay, when each amount moves, and which charges depend on behavior.</description></item><item><title>Why a credit-card minimum changes as the balance changes</title><link>https://loanscreditcards.com/desk/minimum-payment-mechanics/</link><guid>https://loanscreditcards.com/desk/minimum-payment-mechanics/</guid><description>Understand percentage rules, fixed floors, interest and fee additions, and the effect on payoff time.</description></item><item><title>Find the break-even point for a balance transfer</title><link>https://loanscreditcards.com/desk/balance-transfer-break-even/</link><guid>https://loanscreditcards.com/desk/balance-transfer-break-even/</guid><description>Compare transfer fee, promotional length, post-promotion rate, payment allocation, and the old account&#039;s cost.</description></item></channel></rss>
