最近一週的台新調額和新辦澳盛和中信卡 - 信用卡
By Odelette
at 2016-01-31T03:17
at 2016-01-31T03:17
Table of Contents
最近這一個禮拜送了三個案件,
結果卻大不相同,
以下資訊供大家做參考~
台新調額:
105/01/20 申請調額(額度由銀行自行評估)
105/01/21 至分行傳真財力證明(2.3M他行定存影本)
105/01/26 簡訊通知調額核准,170K調至200K
105/01/26 打客服反應,只調3萬太少了。
客服說幫忙重送(額度目標為400K)
105/01/28 簡訊通知調額核准,200K再調至250K
台新本次調額共調了80K (170K->250K)
調額簡訊內容:
http://imgur.com/EFzMGns
新辦 澳盛現金回饋鈦金卡:
105/01/21 網路填寫申請表
105/01/22 郵寄正附卡申請書(附上財力證明:2.3M他行定存影本)
(申請書正附卡申請人影本上有寫"僅供澳盛銀行申請信用卡使用"字樣)
105/01/25 徵審小組來電確認申請書內容
並質疑所附財力上有部分不是超過半年以上的定存(其中400K是半年內存的)
105/01/29 電話查詢,客服說綜合評分不足未核卡
細問原因,客服只說"可能"是我申辦的信用卡太多了
(目前23張卡,申辦時的聯徵是2個新業務和5個帳戶管理)
105/01/30 收到e-mail通知婉拒
e-mail婉拒內容:
http://imgur.com/TG8HbBg
感想:我覺得應該是澳盛現金回饋最近發太多,所以開始挑客戶了。
使用信用卡18年多,這輩子第一次的辦卡打槍就給澳盛了。
新辦 中國信託環球購物中心晶緻悠遊聯名卡:
105/01/29 網路申請,財力填授權查詢本行銀行資產(存款共2.4M)
105/01/30 中午來電照會
105/01/30 晚上查詢網銀申辦進度已經核卡
核卡額度為320K
網銀查詢畫面:
http://imgur.com/KW7obPL
不得不誇獎中信網路新辦核卡的速度真的有夠快,
竟然二天就核卡了!
知道這張新辦核卡後,接著要衝學學鼎極卡,
前幾篇有板友分享330K被卡關,
不知道會不會過呢?好緊張! XD
本週心得總結:
真是高潮迭起的一週!
這禮拜把沒有海港買一送一優惠的合庫卡剪了(確定要把卡片送回分行),
剩下八家銀行,申辦送件了二家新的銀行,結果一家核准一家打槍,
所以總銀行數又回到了九家。
額度最低的台新由170K調到250K後,
各家銀行的總算平均額度水準在250K以上(除了永豐的246K和兆豐的190K),
總額度來到新高的2506K(終於突破2.5M了)
接下來,希望第四張頂級卡~學學鼎極卡能過關。
--
Tags:
信用卡
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