核卡額度標準 - 信用卡

By Eden
at 2018-05-31T17:02
at 2018-05-31T17:02
Table of Contents
最近這一年多來工作,也陸陸續續辦了幾張信用卡,但是申請到的額度都不滿意,我只能
說偏低,我的薪資38K,年收約50萬。職位和年齡都是初入職場菜鳥。1年多工作存款至
今大約近30萬。
我的行業是農業協會產品推廣單位的顧問公司。
但其實我繳交給銀行的資料都是薪資轉帳紀錄,因為我們薪資轉帳都包含報銷費用,所以
帳面上都是45K – 55K的薪資條轉帳紀錄,銀行徵聯能夠知道我實際薪資嗎?(我沒有附上
扣繳憑單)
以下次我持有卡的額度:
台新GOGO: 3萬 (第一張信用卡,這種額度我可以接受)
國泰KOKO: 6萬(其實一開始核卡是三萬,我馬上打電話去吵,吵到6萬)
兆豐E秒刷: 4萬(這張最近這禮拜才辦,申請調額被秒拒)
曾經有人建議我先把舊卡申請調額,但還是被拒絕,也沒有負債,沒有欠繳記錄。難道大
概就是只能被核3、4萬的命嗎? 因為工作方面,很多都需要先墊付,曾經台新就額度不足
刷爆了。
板上也看到跟我差不多薪資的朋友,額度也幾乎都有8-10萬,身邊朋友薪資比我低,存款
也沒有我多,還是都可以拿到比我高的額度,想請問版友,大概還有什麼額度評分的標準
?
--
說偏低,我的薪資38K,年收約50萬。職位和年齡都是初入職場菜鳥。1年多工作存款至
今大約近30萬。
我的行業是農業協會產品推廣單位的顧問公司。
但其實我繳交給銀行的資料都是薪資轉帳紀錄,因為我們薪資轉帳都包含報銷費用,所以
帳面上都是45K – 55K的薪資條轉帳紀錄,銀行徵聯能夠知道我實際薪資嗎?(我沒有附上
扣繳憑單)
以下次我持有卡的額度:
台新GOGO: 3萬 (第一張信用卡,這種額度我可以接受)
國泰KOKO: 6萬(其實一開始核卡是三萬,我馬上打電話去吵,吵到6萬)
兆豐E秒刷: 4萬(這張最近這禮拜才辦,申請調額被秒拒)
曾經有人建議我先把舊卡申請調額,但還是被拒絕,也沒有負債,沒有欠繳記錄。難道大
概就是只能被核3、4萬的命嗎? 因為工作方面,很多都需要先墊付,曾經台新就額度不足
刷爆了。
板上也看到跟我差不多薪資的朋友,額度也幾乎都有8-10萬,身邊朋友薪資比我低,存款
也沒有我多,還是都可以拿到比我高的額度,想請問版友,大概還有什麼額度評分的標準
?
--
Tags:
信用卡
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