持60張信用卡辦新的被拒 內行曝關鍵:銀 - 信用卡
By George
at 2020-06-11T18:09
at 2020-06-11T18:09
Table of Contents
持60張信用卡辦新的被拒 內行曝關鍵:銀行會怕
2020/06/11 中時電子報 何立雯
消費模式改變,信用卡成為錢包必備品,但有網友分享,想申辦新卡,卻因已持有60多張
卡而慘被拒絕,引起討論,內行網友則表示,恐是「收入太低」和「該分行不缺業績」這
兩原因影響,銀行會怕啊!
有網友在PTT上發文表示,想要在某銀行申辦信用卡,沒想到卻因持有60張的信用卡,而
被說太多,因此慘遭拒絕,銀行工作人員表示,需要剪到10張以下,才有可能通過,也讓
原PO好奇詢問,請問有人遇過類似的情形嗎?
貼文立刻引起網友討論,「台銀不核我卡給的理由也是一樣,信用卡太多XD」、「換一家
分行,這家分行毛太多,顯示不缺業績,換一家正解」、「 如果超過一半一段時間沒刷
,有機會被擋」。
此外,有網友指出,原PO的月收入僅3萬元,申請不過恐怕不是卡片數目的問題,而是你
月收入太少,財力普通,還辦了60多張卡片,銀行會怕。另有網友建議,增加收入是正解
,太在乎回饋甚麼的,人生會歪掉。
對此,財團法人金融聯合徵信中心指出,持有的信用卡張數多寡與信用風險沒有顯著的關
聯,因此聯徵中心並未將信用卡張數納為影響評分的項目,故持有信用卡張數的多寡並不
會影響信用評分。
https://www.chinatimes.com/realtimenews/20200611003358-260405?chdtv
心得
「信用卡太多」確實會是銀行核卡不過的理由,但也有人指出這可能只是該家銀行分行「
不缺客戶」,換別的分行或許就能通過了。之後還是挑神卡辦比較好
--
Tags:
信用卡
All Comments
By Franklin
at 2020-06-14T13:48
at 2020-06-14T13:48
By Eartha
at 2020-06-16T09:28
at 2020-06-16T09:28
By Olivia
at 2020-06-18T05:40
at 2020-06-18T05:40
By Charlotte
at 2020-06-21T16:51
at 2020-06-21T16:51
By Steve
at 2020-06-25T09:54
at 2020-06-25T09:54
By Carolina Franco
at 2020-06-29T07:46
at 2020-06-29T07:46
By Tom
at 2020-06-30T15:00
at 2020-06-30T15:00
By Agatha
at 2020-07-04T00:08
at 2020-07-04T00:08
By Wallis
at 2020-07-07T18:43
at 2020-07-07T18:43
By Robert
at 2020-07-12T06:56
at 2020-07-12T06:56
By Charlie
at 2020-07-16T16:34
at 2020-07-16T16:34
By John
at 2020-07-17T14:24
at 2020-07-17T14:24
By Isabella
at 2020-07-21T12:12
at 2020-07-21T12:12
By Lily
at 2020-07-26T04:23
at 2020-07-26T04:23
By Suhail Hany
at 2020-07-29T18:21
at 2020-07-29T18:21
By Necoo
at 2020-08-03T03:51
at 2020-08-03T03:51
By Ophelia
at 2020-08-06T13:10
at 2020-08-06T13:10
By Jessica
at 2020-08-07T00:02
at 2020-08-07T00:02
By Faithe
at 2020-08-09T06:56
at 2020-08-09T06:56
By Linda
at 2020-08-11T02:45
at 2020-08-11T02:45
By Genevieve
at 2020-08-15T11:50
at 2020-08-15T11:50
By Frederica
at 2020-08-18T12:08
at 2020-08-18T12:08
By Bennie
at 2020-08-18T19:44
at 2020-08-18T19:44
By Carol
at 2020-08-21T21:01
at 2020-08-21T21:01
By Faithe
at 2020-08-22T10:00
at 2020-08-22T10:00
By Callum
at 2020-08-22T16:45
at 2020-08-22T16:45
By Noah
at 2020-08-23T03:46
at 2020-08-23T03:46
By Zanna
at 2020-08-26T20:53
at 2020-08-26T20:53
By Noah
at 2020-08-27T14:36
at 2020-08-27T14:36
By Queena
at 2020-08-29T08:47
at 2020-08-29T08:47
By Kyle
at 2020-09-01T16:33
at 2020-09-01T16:33
By Suhail Hany
at 2020-09-04T14:29
at 2020-09-04T14:29
By Dorothy
at 2020-09-08T11:38
at 2020-09-08T11:38
By Daniel
at 2020-09-11T21:14
at 2020-09-11T21:14
By Poppy
at 2020-09-12T20:26
at 2020-09-12T20:26
By Zora
at 2020-09-16T14:54
at 2020-09-16T14:54
By Ursula
at 2020-09-16T16:09
at 2020-09-16T16:09
By Hamiltion
at 2020-09-18T22:00
at 2020-09-18T22:00
By Zora
at 2020-09-23T05:45
at 2020-09-23T05:45
By Audriana
at 2020-09-25T09:57
at 2020-09-25T09:57
By Mason
at 2020-09-27T21:49
at 2020-09-27T21:49
By Wallis
at 2020-10-01T05:20
at 2020-10-01T05:20
By Edwina
at 2020-10-06T01:54
at 2020-10-06T01:54
By Aaliyah
at 2020-10-08T16:18
at 2020-10-08T16:18
By Valerie
at 2020-10-13T09:21
at 2020-10-13T09:21
By Jessica
at 2020-10-18T02:49
at 2020-10-18T02:49
By Harry
at 2020-10-21T05:45
at 2020-10-21T05:45
By Selena
at 2020-10-22T20:31
at 2020-10-22T20:31
Related Posts
渣打推LINE上辦卡 限時回饋2020元
By Irma
at 2020-06-11T10:25
at 2020-06-11T10:25
新手提問 辦卡沒過還能再辦嗎?
By Mason
at 2020-06-11T06:36
at 2020-06-11T06:36
台新卡友專屬行動支付 你消費我請喝咖啡
By Annie
at 2020-06-10T19:58
at 2020-06-10T19:58
元大MasterCard晶片升級
By Olga
at 2020-06-10T19:16
at 2020-06-10T19:16
力挺振興,公股兆豐銀率先加碼四優惠,댠
By Madame
at 2020-06-10T18:45
at 2020-06-10T18:45