多間銀行調整額度 - 信用卡
By Sarah
at 2020-06-23T14:55
at 2020-06-23T14:55
Table of Contents
★年資:3
★年齡:31
★年收入:900K
★提供之財力證明:109年所得稅明細
★最近三個月有無申辦卡片:萬年處理中的彰銀
★信用評分: 783 分 ( 2020年初信用報告 )
持有以下卡別,根據個人消費習慣及使用率排序。
玉山 Ubear >> 300K
永豐 DAWHO現金回饋信用卡 >> 200K
台新 GoGo卡、台新 FlyGo卡 >> 250K
國泰 KOKO COMBO icash 聯名卡 >> 300K
兆豐 e秒萬事通金融信用卡 >> 300K
匯豐 現金回饋御璽卡 >> 140K
中信 Line Pay >> 350K
彰銀 My樂 150K
★調額過程
玉山銀行
2020/06/11 申請 300K => 500 K
2020/06/11 五分鐘內核准
永豐
2020/06/11 申請 200 K => 500 K
2020/06/20 填寫線上表單詢問進度,客服回覆急件處理。
2020/06/23 核准 400K (App 上顯示)
台新
2020/06/11 申請 250K => 500K
2020/06/12 核准 300K
國泰
2020/06/11 申請 300K => 500K
2020/06/15 核准 400K
中信
2020/06/11 申請 250K => 500K
2020/06/17 核准 400K
兆豐
2020/06/11 申請 300K => 500K
2020/06/12 拒絕
匯豐
2020/06/11 申請 140K => 300K
2020/06/12 核准 160K
★調整心得
永豐審核速度真的不快,再催促後倒是挺乾脆直接將信用額度200%的成長。
兆豐去年只有貢獻零頭,今年完全不給機會直接拒絕,完全能理解。
國泰跟中信去年也非主力卡,依然給予核准發160%的成長,果然是給額度很大方的公司,
能有這樣調幅完全心滿意足。
玉山動作很神速,網頁填申請才收到身份的認證簡訊,跳轉至上傳薪資證明的頁面,還處
於正在找報稅單還沒拍照上傳,就收到簡訊已核准過程不到五分鐘。不愧是認真使用客戶
資料的銀行。
匯豐給額度真的讓人哭笑不得,114%的調整幅度完全風險控管做很好,但以使用用途
上匯豐現金回饋被大戶卡取代,考慮下半年整理卡片時剪卡,半年後又是一條好漢。
有打電話來照會的兩家銀行中信、匯豐兩家,關心客戶調整理由。
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Tags:
信用卡
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