信用額度的小疑問 - 信用卡

By Ivy
at 2013-11-20T17:29
at 2013-11-20T17:29
Table of Contents
不好意思
在板上雖然有一段時間了
但有些狀況還是很不明瞭
1.調整信用額度除了手頭急用方便外,有其他功能嗎?會不會影響貸款?
我看板上的人大多一直在想辦法調高信用額度
但我身邊有人拼命的降低信用額度
降低信用額度對以後申請貸款有幫助嗎?
2.信用卡每期都沒繳完,但每期都有準時繳也有繳超過最低額度
還有 信用卡每個月繳納超過最低應繳額度後剩下999 會對信用有什麼影響??
EX: 應繳納5000,最低腳踏2000,所以就繳4001,固定讓信用卡少繳999
這個我是有試過 是不會扣滯納金等等 但每個月都要在那邊計算 蠻麻煩的
最近因多申辦國泰、永豐及聯邦 太麻煩了 所以就乾脆全繳
但還是在想 這種方式到底好不好?
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信用卡
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