學貸ing 小白辦卡 - 信用卡
By Caroline
at 2015-07-10T02:52
at 2015-07-10T02:52
Table of Contents
希望板友能提供辦卡意見的, 請依下列格式填寫
若是其它建議,請自由發揮。
------------發文時,請按Ctrl+Y將本行與上面文字刪除 ------------------
[職業類別] : 服務業
[目前工作年資] : 9個月
[年齡] : 21
[年收入] : 280K
[可提供之財力證明] : 企銀薪轉&密封薪資條
台新活存60K
台銀活存37K
南山儲蓄險保單(這算嗎?)
[已持有的卡片與額度] : 中信無印附卡 額度?
[是否有無貸款] : 台銀90K左右 富邦330K持續增加中
[最近3個月內有無申辦] : no
但三個月前申辦 花旗學生/中信無印/富邦line 皆打槍
[希望有的功能] : 網購優惠 電影優惠或現金回饋
[第一想申請的卡片] : 玉山南山聯名卡
[第二想申請的卡片] : 富邦數位生活白金卡
[其它] :
今年三月被花旗業務拐去辦信用卡,當時傻傻以為信用卡很好辦
只給了薪轉三個月的存簿當證明就被送件,也速速被打槍....
後來邂逅了卡板知道有聯徵問題 三個月內最好不要超過三家
想說既然這樣就再辦兩家試試看 不辦白不辦(?
一個月三次失敗後就乖乖等到現在想準備下一波辦卡集氣
原PO是大學就讀中的打工族,所以學貸還沒開始還&持續增貸中
之前被花旗打槍原因是負債比過高 & 學貸
當時三張卡的年收我都填打工的160K而已(有公司名稱的匯款
上面寫的280K 有包含我當家教&助教的年收
家教部分是沒有公司行號的 只有固定匯款入帳 不知道這樣銀行承認否?
想申請玉山是因為最近買了南山的保單(儲蓄險) & 想趁機脫離小白
雖然聽說玉山是小白好朋友,但板上關於這張卡的分享資訊比較少
不知道保戶的過卡率是否會比較高 還是一樣會受學貸影響?
富邦的數位生活則是覺得很符合我生活所需(常網購
但礙於三月被打槍過&學貸他們家 怕很難過卡.....
另外還想試試看薪轉戶的卡(上次問行員 行員說我的情況應該能過
但台企銀的卡資訊比較少,不清楚哪張卡會比較好過
行員給我這幾張申請書參考:故宮之友認同卡、青溪之友悠遊認同卡、悠遊聯名卡
這是行員給我的順序(他還特別跑去庫存拿故宮給我)不知道順序是否有關聯XD?
還是很想要一張自己的信用卡才集氣到現在~~(買東西都被爸爸看 壓力好大QQ
想說選個三張卡 等這個月發薪後選一天一起申辦
(我媽說第一張被打槍 後面就很難過了 所以次想說要同天辦三張
想問問大家 我這種情況要辦卡有什麼好建議嗎?
或是其他可以嘗試的卡片推薦(其實好想要有電影優惠或現金回饋阿 但門檻似乎都高
功能可先當其次 主要是脫離小白~~~~~~> <
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信用卡
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