目前個人繳費最佳解 - 行動支付
By Anthony
at 2019-10-30T23:45
at 2019-10-30T23:45
Table of Contents
單純討論一下有關聯邦取代pi的實體部分
個人目前聯邦能量也是充飽狀態,但實體還是用pi去拿2.5大於聯邦2
大家的算法應該是把聯邦默認為2+2大於pi2.5
但我認為聯邦活動的2已經是入帳到口袋了,那個不能算在回饋上,反而要關注的是被鎖
了75000的未來強制消費在聯邦,故現在重點是在基本回饋不輸其他卡的前提下,消化這
些額度
故有回饋的實體消費,聯邦還是輸給pi的最大化回饋2.5
而沒有回饋的消費例如超商代收管理費,稅金,罰單,大小套年費等項目,既然這些無論
用聯邦還是pi都無回饋,也就是聯邦的回饋不輸其他家的時候,正適合把75000都拿出來
消化
如果明年沒有新光好趴呢這種活動,那預計明年底之前的管理費和稅金罰單年費,消化這
75000綽綽有餘
但反過來說,如果超商代收和罰單稅金聯邦年費等消費,到明年底沒辦法輸出75000的人
,可能就不適合,因為2%的回饋而已,拖到第二年,那個報酬率就不如去銀行存一年的利
息了…
--
個人目前聯邦能量也是充飽狀態,但實體還是用pi去拿2.5大於聯邦2
大家的算法應該是把聯邦默認為2+2大於pi2.5
但我認為聯邦活動的2已經是入帳到口袋了,那個不能算在回饋上,反而要關注的是被鎖
了75000的未來強制消費在聯邦,故現在重點是在基本回饋不輸其他卡的前提下,消化這
些額度
故有回饋的實體消費,聯邦還是輸給pi的最大化回饋2.5
而沒有回饋的消費例如超商代收管理費,稅金,罰單,大小套年費等項目,既然這些無論
用聯邦還是pi都無回饋,也就是聯邦的回饋不輸其他家的時候,正適合把75000都拿出來
消化
如果明年沒有新光好趴呢這種活動,那預計明年底之前的管理費和稅金罰單年費,消化這
75000綽綽有餘
但反過來說,如果超商代收和罰單稅金聯邦年費等消費,到明年底沒辦法輸出75000的人
,可能就不適合,因為2%的回饋而已,拖到第二年,那個報酬率就不如去銀行存一年的利
息了…
--
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行動支付
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