u/norbertorodrigo

My “travel card” is my physical credit card that has fair fares associated with it. However the “personal card” that is my plastic card is inactive, and my Apple Pay associated with the travel card is active.

Will I get the fair fare discount from Apple Pay?

Incoming M1. I plan to refinance prior to residency.

Should I take out my private loans under a 5 or 10 year repayment (about 0.2% lower APR for 5 year compared to 10 year)?

Repayment would start 36 months after leaving school, but I would like to refinance well before then. I feel like 5 year is better so I can have a reduced APR given the fact that I want to refinance regardless of term length.