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Is a 24.99% APR high for a first credit card?

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In modern times, it is undeniable that credit cards have emerged as the most widely used payment method amongst the cashless payment options. The primary and most important feature of credit cards is that they provide the customers with the lucrative opportunity of using the banks’ funds for their own expenses, and then allows them to pay it back after a certain time period. 

However, if all of it is really this good, then why do people fret when it comes to applying for their first credit card? A major factor behind this initial indecisiveness is the different charges and interests that come with the card. 

One of these is the APR or the Annual Percentage Rate that needs to be paid when one does not pay back the bank within the billing period. When the bank allows you to spend a certain amount of money, they also expect you to pay it back within a certain period. On failing to do so, you are charged with an Annual Percentage Rate. 

This might lead to questions like “how does the APR work?”, “what are the usually charged rates?”, and “is 24.99% APR good for a credit card?”. Here is a brief guide to help you answer all these questions.

How does Annual Percentage Rate work?

When we say the customers are allowed to use the bank’s money for personal expenses, it does not imply that they can borrow as much as they want. Each customer is allotted a certain credit limit based on their assets, credit score etc. 

This is a cash limit in credit cards that fixes the maximum amount of money that can be paid through the card. Now, each card has a fixed billing period, and the money spent through the card is to be returned to the bank by the customer at the end of each billing cycle.

 If the customer fails to pay back the owed money within the due date, then the overdue sum is carried forward, and the interest charged on it annually is the APR or the Annual Percentage Rate. It can be also looked at as a form of a penalty fee that’s charged because your initial billing period was extended.

Standard APR Ranges

As the APR pertains to the amount that would eventually be paid by defaulting customers, it is always advisable to check it before applying for a credit card. So, if someone is charged 24.99% interest (something that’s common in many banks), one is bound to question — is 24.99% APR good for a credit card? The answer to this all-important question lies in the word “Annual”.

 It is to be noted that 24.99% is the annual rate that gets divided over 12 months, so the monthly rate comes down to a little over 2%. To put it simply, if your card charges an APR of 24.99%, then you pay an interest of a little over 2% for every month when you fail to pay your bill.

 However, an interest rate of 24.99% is considered a little high for first-time credit cardholders, as the average interest rate is considered to be approximately 19%.

There are pros and cons attached to both high and low APR cards.

 The primary difference between them is that one needs a substantially better credit score (around 700) to qualify for a low APR card. However, the cards charging higher interest rates do come with better rewards and complimentary privileges.

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Top 6 Things to Keep in Mind When Planning Hybrid Events

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Planning Hybrid Events

The meetings and gatherings sector swiftly evolved to survive as in-person events came to a grinding halt in early 2020. Many organizers have turned to the power of the Internet to continue delivering events. Virtual events will remain popular in the coming years due to their capacity to link businesses to clients and communities without limitations or boundaries.

Moving forward, businesses again redefine events, merging virtual capabilities with physical interaction. A hybrid event is born. A thorough grasp of what makes a genuinely fantastic hybrid event for all audiences is necessary to innovate planning and marketing strategies.

Here are some key tips to keep in mind to organize a hybrid event:

  • Set Clear Goals and Budget

Organizing a hybrid event might be overwhelming, considering that you have 2 distinct audiences to cater to. In this case, avoid using only one all-encompassing approach. Instead of attempting to stream all sessions, for instance, think about your event goals and design the mode of delivery depending on whether the session will be live or pre-recorded.

It’s important to identify the time-sensitive items, potential hazards, additional expenditures, and the backup plan in case Plan A doesn’t work out for each session.

Lastly, seek out experts outside the planning team. You may not always have the solution to all problems. For example, you can ask for tips from experienced organizers of luxury events in the Toronto area on translating a lavish in-person party into a hybrid one.

  • Inspect the Venue and Audio-Visual Capabilities

Your task is to identify which hotels and conference centres have the resources and assistance you require. The venue must have audio-visual equipment, dependable Wi-Fi, streaming capabilities, and technical support experts on standby.

Bring an IT staff in well in advance of the event to test the network. Before tackling other things on your checklist, concentrate on perfecting your headline events. As a great practice, you should also think about having a cellular backup in case there are any unanticipated network troubles.

  • Vary Marketing Tactics to Maximize Engagement

It is your responsibility as the content producer to design an agenda that will appeal to both your physical and online participants. A virtual attendee doesn’t only want to see a static PowerPoint presentation. The delivery is crucial.

Choose exciting screen productions and bite-sized snippets.

The same idea applies to your marketing and promotion plan as well. Virtual attendees may have different objectives than in-person participants. You must be able to articulate what each can achieve from participating. An effective registration system that enables you to design individualized registration routes will help you always promote the appropriate program to the right audience and will make your targets feel appreciated and understood, regardless of their reasons for coming.

  • Promote Interaction to Build Network

Finding ways to link live and virtual attendees with one another is a great way to increase attendee satisfaction. It might be beneficial to include polls in event applications, enable live Q&As, offer group chats, messaging, and activity feeds, and provide virtual breakout rooms for a small-group discussion on important subjects or shared interests. Your event may also be used to promote one-on-one meetings to promote meaningful interactions and the development of relationships.

  • Acknowledge Your Attendees

Organizers frequently make the error of neglecting to recognize their audience, especially the online members. To make sure all guests are involved, the presenter should balance questions and exercises for the physical and digital participants. Additionally, event sponsors need to get just as much online visibility as they would at a physical event. You may display banners or hire documentary photography services to record every moment and send copies of them to participants after the event.

  • Use Technology to Gain Important Insights

After you’ve worked hard to plan your event, the next step is to translate that engagement into useful knowledge. Leverage technology to monitor engagement metrics, such as session attendance, feedback survey, online chat activity, and more, from both the in-person and online experiences. The results can assist your team in providing post-event follow-ups tailored to the individual, as well as offer insights on how to improve your subsequent events.

You can redefine how an event looks and feels. Embrace technology to move away from a dated approach to interaction and into an event experience that connects individuals without boundaries.

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The basics of bopp cross bottom bag

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bopp cross bottom bag

bopp cross bottom bags

Bopp cross bottom bags are, as their name implies, characterized by their unique shape at their bottoms, allowing them to be stored flat when not in use and then unfolded when necessary to form a bag with a stable bottom. These bags are available in different sizes and are manufactured from various materials. 

This type of packaging is both attractive and functional at the same time. It is very common for us to see them during Christmas, when they are usually in the form of cellophane or plastic bags with little gold stars and usually stuffed with Christmas decorations or cookies that have been baked at home. Since they are extraordinarily stable and have a large holding capacity along with easy storage when empty, both thanks to the clever folding, they are also suitable for a large number of storage and packaging tasks.

Gift bags with cross bottoms used for customer presentations and gifts

Companies who are looking for a way to present their small product samples to their potential customers or investors can find cross bottom bags to be the ideal packaging option. It is possible to admire the contents of the product sample or other goods before opening the package, and at the same time, the packaging makes the product sample or other goods seem very special and attractive. A simple, transparent cross bottom bag is the perfect way to present your products to potential clients and business partners in a professional manner. It is possible to choose from a variety of cross bottom bags in the BPB PACKING Shop, which is a Bopp bags manufacturer.for example, a simple variation of a cross bottom bag or even one printed with stars, if you would like to package customer gifts for Christmas, Easter or a company anniversary. Especially during festive occasions such as Christmas, the golden stars give your gifts that special touch. It would be a great idea if you sent the cross bottom bags and their contents to the lucky recipient by mail, in which case make sure that everything is packaged in a stable manner so that when the shipment is unpacked, it will look just as attractive as when it was packed.

Cross bottom bags can be used to store food?

In addition to the cross bottom bags that you will find at SPRINTIS, the materials that are used to make the bags are also safe and harmless when they are in contact with food. Using the bags does not alter the smell and taste of the food, nor does it affect the smell. This applies to both the simple, transparent cross bottom bags as well as the bags that are printed with stars. Therefore, the food-safe plastic bags from the BPB PACKING shop are not just suitable for wrapping goods or products samples, but are also a good choice for loose biscuits and chocolates, for example. As a result, cross bottom bags are an ideal companion to distribute small tokens of appreciation at trade fairs and other major events. As a result, there is no limit to how creative you can be when filling the bags with gifts.

The cross bottom bags are closed in what way?

BPB PACKING cross bottom bags are open at the top on the narrow side. No matter what size or variation your cross bottom bag is, you can close it in various ways. The clipband ties allow you to close the cross bottom bags quickly and easily. Papers with integrated wire can be weighed as desired, and cross bottom bags can be closed looser or tighter as needed. A ribbon closure adds a touch of elegance. In this variation, you can wrap small gifts with cross bottom bags with golden stars.

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Report March Twitch 2b Wildegeekwire Was Twitch’s Biggest Month to Date, With 2b+ Hours Watched, Helped by “sleep Streaming,” Where Popular Streamers Film Themselves While Sleeping

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Report March Twitch 2b Wildegeekwire

Report March Twitch 2b Wildegeekwire was Twitch’s biggest month in history to date, with 2b+ hours watched over the course of the month. Hours watched were up 20% on average, with “sleep streaming” being one of the main drivers of this growth. This is a continuation of February’s record-breaking month, which was 328% bigger than January’s and 454% greater than December 2018.

The average viewer watched during the month was watching for 58 minutes every day, with that number also growing. Twitch’s audience is growing, as in each of the last several months, but minus a slight dip in June 2017.

During March, on average, there were five million viewers watching 1b+ hours every day. That’s over 2x times more views than YouTube Gaming and almost 4x times more hours watched than YouTube Gaming.

Twitch remains the most popular platform for gamers and gaming content, with over half of viewers coming from the Twitch platform, compared to 27% on YouTube Gaming. Over the last year, Twitch has continued to be the largest source of streams on the site (with over 40%), even as esports continues to grow on YouTube Gaming.

The site saw record breaking numbers for both streamers and community members, with Sony Interactive Entertainment’s “The Playroom for Twitch” seeing 1.7M hours watched in March. “The Playroom” was the most watched channel on Twitch, but it was its community that drove this growth. The base of “The Playroom” streamers averages 682k viewers, with a median of 1.8M viewers each week. This marks a significant growth in viewership as well as engagement from the “The Playroom” community in just one month, and could potentially be the start of a new way streaming gamers can interact with their audience like traditional gaming platforms offer.

On the streamer front, DrDisrespect held his spot as the most popular Twitch streamer. DrDisrespect has consistently remained atop this list since breaking into the top ten in August 2017 and remains relevant, with his audience growing during March to just over 1.4M average viewers. The “DrDisRespect” channel also saw a significant growth in both hours watched and average views per minute. His channel also boasts a strong community of over 1.4M average viewers a day, with over 8M hours watched per day. His audience is also growing in age and gender diversity. Consequently, his subscription base has grown by over 20% in the past two months.

His growth can be attributed to how he’s extending his brand outside of Twitch and into other platforms, including YouTube, Instagram and Twitter. DrDisRespect’s YouTube channel had the most growth of any channel in the gaming vertical on YouTube during March, with engagement up 30% week-over-week. This can also be attributed to his recent influx of sponsored content for products such as “Dell,” “Honey Badger Don’t Care,” and “Monster Energy.”

DrDisRespect is one of Twitch’s most active personalities, averaging 110 hours streamed a week. He’s also one of the first to leverage sleep streaming as a strategy, which has been in part responsible for driving his growth in the past two months. Viewers love to watch DrDisRespect, often referring to him as a comedic genius and not just a gamer.

The top ten most streamed games all averaged over 1M hours watched per day, with large esports titles making up the bulk of that list.

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