元大樂遊/鑽金卡 謠言整理 - 信用卡
By Callum
at 2014-07-18T13:16
at 2014-07-18T13:16
Table of Contents
最近元大的卡片引起了一陣波瀾阿,各式各樣的謠言如江水般洶湧而至,
小弟不負責任整理了最近網路上出現的謠言,並以大家的經驗做為破解。
Q1.鑽金卡的回饋要以300元為一回饋單位,現金紅利滿300元才能折抵?
A1.鑽金卡的回饋沒有抵扣的下限,就算只有1元也是會抵扣下個月的帳單,
但抵扣的有效期限是六個月,六個月無新增消費能夠抵扣的話,歸零。
Q2.銀行卡量突然暴增,而且新戶辦鑽金卡沒首刷禮,樂遊卡有,所以同時辦兩張
比辦一張的機率容易過。
A2.這答案依我本人心得與各網友心得整理之後,並沒有這回事,如果本身的信用條件
就不是很好的話,就算你同時把元大所有卡一起申辦還是不會過。
Q3.申請書上寫急件申請信用卡,需加收$300?
A3.急件並不等於快速發卡,快速發卡會以特別件處理,需事先撥電話進客服申請,
可能單獨審核,或單獨快遞寄送,與急件或一般件不同。
-----------------------------------------------------
元大可能第一次碰到這麼大的發卡量,所以現在應該是極度塞車,昨天跟客服聊一下,
客服說,現在的案件量太多了,所以有沒有寫急件都是一樣,所以各位還是耐心一下吧。
另外元大的信用卡申請進度查詢會慢好幾天才更新,新戶所以如果接到照會電話之後,
可以試試看打元大電話,然後按1-1-1-3查詢額度,輸入資料後如果聽到請輸入卡號,
代表就是核卡了,因為系統已經有產生卡號了;如果聽到資料錯誤應該就是還沒通過,
或是拒絕核卡,要重複確認的話再轉客服查詢喔,給大家參考一下。
另外觀察了板上被打槍的有幾個共同特徵(不完全一定是),
1.學貸,畢竟元大的心臟比較小,所以可能負債類的,元大比較不發卡
2.短期辦太多卡,視為信用有極度擴張之虞,所以可能打槍機率比較高
------------------------------------------------------
以上是小弟不才稍為整理,也不是100%正確,有誤的再麻煩大家不吝告知
--
小弟不負責任整理了最近網路上出現的謠言,並以大家的經驗做為破解。
Q1.鑽金卡的回饋要以300元為一回饋單位,現金紅利滿300元才能折抵?
A1.鑽金卡的回饋沒有抵扣的下限,就算只有1元也是會抵扣下個月的帳單,
但抵扣的有效期限是六個月,六個月無新增消費能夠抵扣的話,歸零。
Q2.銀行卡量突然暴增,而且新戶辦鑽金卡沒首刷禮,樂遊卡有,所以同時辦兩張
比辦一張的機率容易過。
A2.這答案依我本人心得與各網友心得整理之後,並沒有這回事,如果本身的信用條件
就不是很好的話,就算你同時把元大所有卡一起申辦還是不會過。
Q3.申請書上寫急件申請信用卡,需加收$300?
A3.急件並不等於快速發卡,快速發卡會以特別件處理,需事先撥電話進客服申請,
可能單獨審核,或單獨快遞寄送,與急件或一般件不同。
-----------------------------------------------------
元大可能第一次碰到這麼大的發卡量,所以現在應該是極度塞車,昨天跟客服聊一下,
客服說,現在的案件量太多了,所以有沒有寫急件都是一樣,所以各位還是耐心一下吧。
另外元大的信用卡申請進度查詢會慢好幾天才更新,新戶所以如果接到照會電話之後,
可以試試看打元大電話,然後按1-1-1-3查詢額度,輸入資料後如果聽到請輸入卡號,
代表就是核卡了,因為系統已經有產生卡號了;如果聽到資料錯誤應該就是還沒通過,
或是拒絕核卡,要重複確認的話再轉客服查詢喔,給大家參考一下。
另外觀察了板上被打槍的有幾個共同特徵(不完全一定是),
1.學貸,畢竟元大的心臟比較小,所以可能負債類的,元大比較不發卡
2.短期辦太多卡,視為信用有極度擴張之虞,所以可能打槍機率比較高
------------------------------------------------------
以上是小弟不才稍為整理,也不是100%正確,有誤的再麻煩大家不吝告知
--
Tags:
信用卡
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