富邦調額 不太好的經驗 - 信用卡
By Charlotte
at 2021-10-31T18:07
at 2021-10-31T18:07
Table of Contents
★職業類別:工程師
★年資:六個月
★年齡:26
★申請卡片:富邦J卡調額
★年收入:600k
★提供之財力證明:畢業證書、薪轉明細、三百萬定存、五萬美金定存、存摺封面
★最近三個月有無申辦卡片:最近有調國泰、玉山、新辦花旗現金回饋卡
★核卡額度:富邦 20k -> 160k
玉山 20k -> 200k
國泰 20k -> 200k
花旗核卡 -> 105k (這個只有附勞保資料)
★申辦過程:
其他間我覺得都還好,過程都算順利,最不滿的就是富邦
某天在百貨公司要買個一萬九千多的東西,刷卡一直刷不過
打她們客服打了老半天終於接通,號碼有個調額的,我想說是不是可以臨時調額
結果寄了一封簡訊,裡面的連結是到他們的文字客服
確認一堆資料,最後說請洽客服專員
又打了一次,又等半天(這次要給專員接聽等更久)
最後跟我確認了一堆資料說是被系統擋刷
我就不懂了,客戶在額度內刷卡,你也不打來問一下還是怎樣,直接就擋掉不給刷
還說刷卡人員可以人工授權,我問結帳的他根本就不會
刷個卡結帳在那邊搞了一個多小時,我真的是快要氣死!!!!
店員也不懂到底為什麼會不給刷過
---------------------------------------------------
回來之後就申請永久調額
不管在APP還是網銀裡,都寫說調額請打客服
OK,再等一次,我等
最後是用簡訊寄了個上傳附件的網址給我
我就整理了一下上傳,10/19號申請
整個過程中沒有mail、沒有簡訊、沒地方查進度
甚麼都沒有,完全不曉得甚麼狀態
10/28 突然收到一個調整額度的簡訊,我才知道原來他們有在處理
這家銀行到底在幹嘛阿??
為什麼可以這麼扯??
要不是為了把綁在裡面的五倍券花掉,我還不如直接換一張刷比較快,但偏偏就沒辦法
真的是氣死,而且擋刷完全不曉得理由是甚麼
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