HSBC滙豐6/1起臨時調高額度消費不予回饋 - 信用卡

By Kumar
at 2021-06-15T18:48
at 2021-06-15T18:48
Table of Contents
爭點應該不是在 代刷/代購/代買/轉賣/進貨...etc 字面上,
而是【自用消費】、【借貸】或【營利】之上吧?
各位說的代刷 與 代購/代買是一樣的,並不是真正的代刷套現~
【代刷】一般在銀行是指為了借錢,刷卡換現金,而不是真的為了買。
所以各家銀行通常都禁止代刷套現。是防範呆帳~
例如某些銀行如果去家樂福,會直接禁止刷五千/一萬等整數,
就是銀行避免被刷大量禮物卡套現。
那麼,排除【借錢】,剩下【營利】是否合法,上一篇有高手解釋過民法148了。
進貨銷售跟代購,在銀行上根本沒有差別。
稅務上差別是屬於勞務或者銷售行為,勞務所得(代買費)超過四萬要營登,
銷售是金流超過八萬要營登。代購須告知成本與來源,銷售不用交代貨源。
(這個很複雜且標準模糊,與此篇無關暫且不提)
今天刷十萬賣三台手機,跟刷上千萬賣幾百台手機,單純是實力落差,
並不會因為你只賣一台手機就不屬於營利阿(未達課稅標準一樣屬於營利)
我相信每個月都大額消費的,絕大多數都是做生意,實在沒必要文人相輕。
(推文裡面只看到一個繳保費的,一個買特斯拉,其他很難想日常消費大額)
舉例: 某營造老闆,月刷3百萬買家電來裝潢。開發票打統編,完全合法~
講直接點,除非每一次購買都是拆開來自己用,最多放寬到給親友用不賺錢。
最最最多放寬到讓你開團購,6%全退不賺錢,這樣勉強算非營利。
否則代刷(代購)跟轉賣有差嗎?
怎麼講得好像賺小錢合法,賺大錢就違法一樣= =a
PS.目前已知案例的級距~
1.溢繳2xx,原本六月不給,抗爭後改七月不給。
2.溢繳數十,簡訊通知六月給,七月不給(沒被打電話)
3.溢繳十萬,沒收到任何簡訊與電話,包含質問買啥都沒有。
所以不負責任分析,我猜判斷邏輯是
上百萬或近百萬會接到電話不給回饋(抗爭結果隨人而定)
數十萬會收到簡訊只給到這個月,以後不給~
一二十萬可能就沒事。
--
而是【自用消費】、【借貸】或【營利】之上吧?
各位說的代刷 與 代購/代買是一樣的,並不是真正的代刷套現~
【代刷】一般在銀行是指為了借錢,刷卡換現金,而不是真的為了買。
所以各家銀行通常都禁止代刷套現。是防範呆帳~
例如某些銀行如果去家樂福,會直接禁止刷五千/一萬等整數,
就是銀行避免被刷大量禮物卡套現。
那麼,排除【借錢】,剩下【營利】是否合法,上一篇有高手解釋過民法148了。
進貨銷售跟代購,在銀行上根本沒有差別。
稅務上差別是屬於勞務或者銷售行為,勞務所得(代買費)超過四萬要營登,
銷售是金流超過八萬要營登。代購須告知成本與來源,銷售不用交代貨源。
(這個很複雜且標準模糊,與此篇無關暫且不提)
今天刷十萬賣三台手機,跟刷上千萬賣幾百台手機,單純是實力落差,
並不會因為你只賣一台手機就不屬於營利阿(未達課稅標準一樣屬於營利)
我相信每個月都大額消費的,絕大多數都是做生意,實在沒必要文人相輕。
(推文裡面只看到一個繳保費的,一個買特斯拉,其他很難想日常消費大額)
舉例: 某營造老闆,月刷3百萬買家電來裝潢。開發票打統編,完全合法~
講直接點,除非每一次購買都是拆開來自己用,最多放寬到給親友用不賺錢。
最最最多放寬到讓你開團購,6%全退不賺錢,這樣勉強算非營利。
否則代刷(代購)跟轉賣有差嗎?
怎麼講得好像賺小錢合法,賺大錢就違法一樣= =a
PS.目前已知案例的級距~
1.溢繳2xx,原本六月不給,抗爭後改七月不給。
2.溢繳數十,簡訊通知六月給,七月不給(沒被打電話)
3.溢繳十萬,沒收到任何簡訊與電話,包含質問買啥都沒有。
所以不負責任分析,我猜判斷邏輯是
上百萬或近百萬會接到電話不給回饋(抗爭結果隨人而定)
數十萬會收到簡訊只給到這個月,以後不給~
一二十萬可能就沒事。
--
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