手機這麼貴大家怎麼善用信用卡? - 信用卡
By Ophelia
at 2011-08-19T23:17
at 2011-08-19T23:17
Table of Contents
現在手機很貴 如果直接買 目前想到的大概就是八通的3%回饋
不過八通門檻高 如果一般的話 大概就是配合花旗活動的1.5%
或是一般的0.666%~0.8%之類的
不過大家也都知道 直接買單機 現金價跟刷卡價其實不太一樣
除非是搶著買新機 預購價格有時候是某些電信獨賣 沒啥空間 刷卡才會划算
不然一般來說 空機還是通訊行價錢比較吸引人吧
所以通常大家應該都會續約順便換手機吧
我本來想到的大概就是
4000~7000的差價用八通付
然後每月1300~1400之間的費用用富邦台灣大哥大的卡片付 有5%回饋
感覺還不賴
不過 別忽略了兩點
1.高月租時富邦的5%其實不容易用到 (因為抵用規則要抵用高出月租的部分)
2.除了中華電信外 可以溢繳
所以 其實搭配一些簽單活動
比方說 用八通 帳單雖然1400 但是到門市溢繳到2000
最高回饋3% + 簽單換5支冰棒(大賣場65左右 便利商店100元)
回饋率相當於 6.25%~8%
所以...........如果近期有要買手機的捧友
可以考慮每天去溢繳一次(OR以上(要跑不同門市))
反正兩年下來綁約大概也會用掉1400*24 = 33600
換個16盒冰棒應該不是難事
這樣換算起來CP值似乎還蠻高的...不曉得有沒有人打算或是已經開始這樣做的呢?
或是...這個方法可不可行呢 ^^
--
不過八通門檻高 如果一般的話 大概就是配合花旗活動的1.5%
或是一般的0.666%~0.8%之類的
不過大家也都知道 直接買單機 現金價跟刷卡價其實不太一樣
除非是搶著買新機 預購價格有時候是某些電信獨賣 沒啥空間 刷卡才會划算
不然一般來說 空機還是通訊行價錢比較吸引人吧
所以通常大家應該都會續約順便換手機吧
我本來想到的大概就是
4000~7000的差價用八通付
然後每月1300~1400之間的費用用富邦台灣大哥大的卡片付 有5%回饋
感覺還不賴
不過 別忽略了兩點
1.高月租時富邦的5%其實不容易用到 (因為抵用規則要抵用高出月租的部分)
2.除了中華電信外 可以溢繳
所以 其實搭配一些簽單活動
比方說 用八通 帳單雖然1400 但是到門市溢繳到2000
最高回饋3% + 簽單換5支冰棒(大賣場65左右 便利商店100元)
回饋率相當於 6.25%~8%
所以...........如果近期有要買手機的捧友
可以考慮每天去溢繳一次(OR以上(要跑不同門市))
反正兩年下來綁約大概也會用掉1400*24 = 33600
換個16盒冰棒應該不是難事
這樣換算起來CP值似乎還蠻高的...不曉得有沒有人打算或是已經開始這樣做的呢?
或是...這個方法可不可行呢 ^^
--
Tags:
信用卡
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