聯邦理財v.s.匯豐現金卡 - 信用卡
By Charlotte
at 2012-03-05T21:28
at 2012-03-05T21:28
Table of Contents
我們來比較一下這兩張卡的部分,假設月消費5000元
因為聯邦要繳年費5000,回饋5400,所以等於每個月先付給聯邦417元,再送你450元
那麼每月要付的總額算法如下:
聯邦:-417 + 450 - ﹝5000 - (5000 - 450 ) * 0.007 ﹞ = -4936 元
HSBC:-5000 + (5000*0.01) = -4950元
雙卡併用分為兩部分:
A、聯邦: -417 + 450 - 450
B、HSBC: -﹝ ( 5000-450 ) - (5000-450)*0.01﹞
將 A+B = -4920 元
那麼由上述我們可知,假設要消費的5000元設為X,那麼公式會變成如下:
公式一(聯邦):-417 + 450 - ﹝X - (X - 450 ) * 0.007 ﹞
公式二(HSBC):-X + (X*0.01)
公式三(雙卡併用)分為兩部分:
A、聯邦: -417 + 450 - 450
B、HSBC: - ﹝( X-450 ) - (X-450)*0.01﹞
一、這時我們來比較刷聯邦划算還是HSBC
所以將公式一 > 公式二 (代表使用聯邦每月繳款金額 < HSBC)
=> -417 + 450 - ﹝X - (X - 450 ) * 0.007 ﹞> -X + (X*0.01) X < 9950 元
意思是說每月刷卡金額小於9950元用聯邦,
超過的話使用HSBC(僅限於全部在生日當天刷才符合這條件)
●(雙卡併用係指每月先用聯邦刷掉450,其餘生日當天使用HSBC,未注意的再用聯邦)●
二、來比較雙卡併用跟單使用聯邦部分
所以將公式三跟公式一合併
=> -417 + 450 - ﹝X - (X - 450 ) * 0.007 ﹞<
-417 + 450 - 450 -﹝ ( X-450 ) - (X-450)*0.01﹞ X > 450
意思是說不管怎樣,只要月消費金額 > 450 元,雙卡回饋率就會大於只使用聯邦
那基本就要消費450元了,所以這題無解,無論如何都是雙卡併用回饋率>只使用聯邦
三、來比較雙卡併用跟單使用HSBC的結果
=> -X + (X*0.01) < -417 + 450 - 450 -﹝ ( X-450 ) - (X-450)*0.01﹞ X=無限大
意思是說,不管怎麼刷,雙卡併用回饋永遠大於只單用HSBC
結論:
雙卡併用樂勝,故每月先把聯邦450元用掉,
剩下想消費的東西集中在生日當天使用HSBC,其於漏掉的部分再使用聯邦。
不知道這樣計算有沒有錯,有錯誤煩請指正
--
因為聯邦要繳年費5000,回饋5400,所以等於每個月先付給聯邦417元,再送你450元
那麼每月要付的總額算法如下:
聯邦:-417 + 450 - ﹝5000 - (5000 - 450 ) * 0.007 ﹞ = -4936 元
HSBC:-5000 + (5000*0.01) = -4950元
雙卡併用分為兩部分:
A、聯邦: -417 + 450 - 450
B、HSBC: -﹝ ( 5000-450 ) - (5000-450)*0.01﹞
將 A+B = -4920 元
那麼由上述我們可知,假設要消費的5000元設為X,那麼公式會變成如下:
公式一(聯邦):-417 + 450 - ﹝X - (X - 450 ) * 0.007 ﹞
公式二(HSBC):-X + (X*0.01)
公式三(雙卡併用)分為兩部分:
A、聯邦: -417 + 450 - 450
B、HSBC: - ﹝( X-450 ) - (X-450)*0.01﹞
一、這時我們來比較刷聯邦划算還是HSBC
所以將公式一 > 公式二 (代表使用聯邦每月繳款金額 < HSBC)
=> -417 + 450 - ﹝X - (X - 450 ) * 0.007 ﹞> -X + (X*0.01) X < 9950 元
意思是說每月刷卡金額小於9950元用聯邦,
超過的話使用HSBC(僅限於全部在生日當天刷才符合這條件)
●(雙卡併用係指每月先用聯邦刷掉450,其餘生日當天使用HSBC,未注意的再用聯邦)●
二、來比較雙卡併用跟單使用聯邦部分
所以將公式三跟公式一合併
=> -417 + 450 - ﹝X - (X - 450 ) * 0.007 ﹞<
-417 + 450 - 450 -﹝ ( X-450 ) - (X-450)*0.01﹞ X > 450
意思是說不管怎樣,只要月消費金額 > 450 元,雙卡回饋率就會大於只使用聯邦
那基本就要消費450元了,所以這題無解,無論如何都是雙卡併用回饋率>只使用聯邦
三、來比較雙卡併用跟單使用HSBC的結果
=> -X + (X*0.01) < -417 + 450 - 450 -﹝ ( X-450 ) - (X-450)*0.01﹞ X=無限大
意思是說,不管怎麼刷,雙卡併用回饋永遠大於只單用HSBC
結論:
雙卡併用樂勝,故每月先把聯邦450元用掉,
剩下想消費的東西集中在生日當天使用HSBC,其於漏掉的部分再使用聯邦。
不知道這樣計算有沒有錯,有錯誤煩請指正
--
Tags:
信用卡
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