中信學學鼎極卡未核卡及多家銀行調額心得 - 信用卡

By Kristin
at 2016-05-30T12:07
at 2016-05-30T12:07
Table of Contents
[職業]:工程師
[年齡]:32
[年收入]:900K
[申請卡別]:中信學學鼎極卡
[核卡額度]:未核卡
[提供的財力證明]:近三月薪資單及薪轉存摺明細
[是否貸款]:無
[目前持有卡片及額度]:
玉山ETC悠遊聯名卡 JCB 晶緻 140K --> 調額至300K
元大鑽金卡 Master 鈦金 120K --> 審核中
元大愛金icash卡 Master 鈦金 120K --> 審核中
凱基MB御璽卡 VISA 御璽 200K
上海悠遊聯名卡 VISA 白金 100K --> 調額至200K
花旗透明卡 VISA 普卡 91K --> 調額至200K
安泰晶緻卡 JCB 晶緻 200K
富邦數位生活卡 JCB 晶緻 160K --> 調額至250K
中信夢時代聯名卡 VISA 白金 120K --> 調額至260K
因為版上的推薦,想跟風擠上頂級卡的學學列車,
5/6用APP線上申請調額,附上財力證明照片,5/9接到電話通知調額至260K,
馬上用APP線上申請加辦學學卡,5/11就收到未達核卡標準的簡訊通知
看了版上許多調額後再次闖關成功的案例,於是同時申請多張卡片調額至300K
玉山銀行:5/12 APP線上申請附財力證明照片,5/13核准調額
元大銀行:5/20電話索取調額申請書,5/23填寫後連同財力證明一起傳真,
結果元大客服給錯傳真號碼,5/26去電確認未收到,重新傳真正確號碼
上海銀行:5/20電話申請,薪轉戶免財力證明,5/27電話通知部分核准
花旗銀行:5/20電話申請註記,5/23傳真財力證明,5/26電話及簡訊通知部分核准
富邦銀行:5/20電話申請註記,5/23傳真財力證明,5/25簡訊通知部分核准
大部分銀行調額之後,想趁月底闖關,於是5/27再次APP申請學學鼎極卡,
這次就沒附財力證明,想靠他行額度來加分,5/28凌晨就看到APP上註記未核卡,
心得:
學學審核果然變嚴格的,早知道年初看到學學列車應該早點買票的
元大的調額流程最複雜,要電話索取申請書,填寫後附財力證明傳真或Email
花旗跟富邦則是要先電話告知客服,然後也要附財力證明
中信、玉山可線上申請最方便,上海銀行只需要電話申請,薪轉戶免財力證明
另外想問大家還有什麼方式能搭上學學列車? 或者應該申請紙風車試試?
未核卡再次申請應間隔多久(客服建議三個月)? 改申請紙風車也要等三個月嗎?
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Tags:
信用卡
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