年刷約20萬左右哪張頂級卡好呢? - 信用卡
By William
at 2016-03-05T00:11
at 2016-03-05T00:11
Table of Contents
來卡板一年收穫良多,檢視自己去年全部信用卡扣除繳稅等特殊費用總額約刷20多萬
年收約100多萬
想請問目前的我申辦哪張頂級卡做為主力較好呢?
目前持有頂級卡:
聯邦無限(固定繳年費拿來當捐款)
玉山世界(買外幣免年費)
學學無限(總之就免年費...)
華南極緻
另有創富家資格
---
主力卡考量的點:
1.不要有年費,若有小額年費但附加價值高亦可接受
2.刷卡回饋形式最好是現金,若是紅利要能終身兌換不然我會忘記
3.因為出國主要廉航,免費的機場接送與貴賓室不要有機票團費最低額限制
4.要有停車免費,但刷卡門檻金額越低越好
目前思考的就是101世界與101無限
世界卡現金回饋0.8%比較省事,但國外只有1.2%有點少
無限卡國外紅利回饋相對較高,但看中信紅利兌換商品沒有特別吸引人的
不知道板友會選哪張呢?或是以我的要求有更適合的卡?謝謝了~~~
---
Ps.感謝C大熱心回文,不過新光無限卡對剛出社會的人來說有點難達到財力要求就是...
很感謝許多熱心版友提供有用的訊息
不過很多噓文也讓我深感不解
1.如我開頭所說潛水已久 當然知道年刷200K 年收1M多在本板只是小咖
實在不知道我從哪邊流露炫耀的意思@@ 條件詳列只是希望願意幫忙的版友能有多點參考
2.再來會進本版的版友一定都是自己對金錢理財有觀念 但應該不是專職幫銀行省錢吧
研究各家銀行的規定 找到最得利的方式 不就是逛本版樂趣所在
我有點不太理解一堆人罵說只想撈銀行好處的觀念是甚麼
(不要搞到循環利息去債清阿我們律師也很討厭辦債清的)
3.最後"頂級"只是聯徵的一種分類而已 不代表多有錢
而且現在台灣的確很多頂級也不頂級了 但好像讓很多版友感冒
也有人說月刷20~30萬都沒有頂級卡(我認為比較可能這是代購或是幫人代刷的金額啦
若是紮實的自身消費額度這麼高 銀行不邀你辦頂級卡 理專都該fire了
畢竟連本魯都有幾張頂級卡了)
說實話想刷頂級卡也是不需要理由的 就如同有的版友喜歡衝高信用額度辦M卡
這都只是個人自由
4.回到一開始,目前應該會辦101無限卡 以創富家年刷20萬的資格 年費大概一千
用1000塊獲得中信頂級卡的優惠我覺得比單刷元大有意思啦
謝謝各版友各種有建設性的建議與有邏輯的批評~
希望大家都辦到自己想要的卡片~~~
--
年收約100多萬
想請問目前的我申辦哪張頂級卡做為主力較好呢?
目前持有頂級卡:
聯邦無限(固定繳年費拿來當捐款)
玉山世界(買外幣免年費)
學學無限(總之就免年費...)
華南極緻
另有創富家資格
---
主力卡考量的點:
1.不要有年費,若有小額年費但附加價值高亦可接受
2.刷卡回饋形式最好是現金,若是紅利要能終身兌換不然我會忘記
3.因為出國主要廉航,免費的機場接送與貴賓室不要有機票團費最低額限制
4.要有停車免費,但刷卡門檻金額越低越好
目前思考的就是101世界與101無限
世界卡現金回饋0.8%比較省事,但國外只有1.2%有點少
無限卡國外紅利回饋相對較高,但看中信紅利兌換商品沒有特別吸引人的
不知道板友會選哪張呢?或是以我的要求有更適合的卡?謝謝了~~~
---
Ps.感謝C大熱心回文,不過新光無限卡對剛出社會的人來說有點難達到財力要求就是...
很感謝許多熱心版友提供有用的訊息
不過很多噓文也讓我深感不解
1.如我開頭所說潛水已久 當然知道年刷200K 年收1M多在本板只是小咖
實在不知道我從哪邊流露炫耀的意思@@ 條件詳列只是希望願意幫忙的版友能有多點參考
2.再來會進本版的版友一定都是自己對金錢理財有觀念 但應該不是專職幫銀行省錢吧
研究各家銀行的規定 找到最得利的方式 不就是逛本版樂趣所在
我有點不太理解一堆人罵說只想撈銀行好處的觀念是甚麼
(不要搞到循環利息去債清阿我們律師也很討厭辦債清的)
3.最後"頂級"只是聯徵的一種分類而已 不代表多有錢
而且現在台灣的確很多頂級也不頂級了 但好像讓很多版友感冒
也有人說月刷20~30萬都沒有頂級卡(我認為比較可能這是代購或是幫人代刷的金額啦
若是紮實的自身消費額度這麼高 銀行不邀你辦頂級卡 理專都該fire了
畢竟連本魯都有幾張頂級卡了)
說實話想刷頂級卡也是不需要理由的 就如同有的版友喜歡衝高信用額度辦M卡
這都只是個人自由
4.回到一開始,目前應該會辦101無限卡 以創富家年刷20萬的資格 年費大概一千
用1000塊獲得中信頂級卡的優惠我覺得比單刷元大有意思啦
謝謝各版友各種有建設性的建議與有邏輯的批評~
希望大家都辦到自己想要的卡片~~~
--
Tags:
信用卡
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