花旗銀行信用卡信用額度調升50%! - 信用卡
By Elma
at 2016-09-20T23:56
at 2016-09-20T23:56
Table of Contents
距離我上次發這樣的文章,已經是2015年1月的事情了:
文章代碼(AID): #1KlDKFEK (creditcard) [ptt.cc]
在那次調整的一年後,我有再次申請調高額度,單純以Citigold身分送審,但是慘遭
不核准!
我當時想……半年後我再做一次,如果再打槍,我真的得考慮把錢從Citigold撤走了,
因為當初會想放錢在Citibank,真的是以調高額度為前提才願意放的,也放快兩年了。
09/13(中秋節前),我試著透過花旗電話理財中心按按看申請永久信用額度調升:
https://www.citibank.com.tw/global_docs/chi/cc/150424_cli/index.htm,
結果當然不OK,直接說NO,所以我就轉客服,我跟客服小姐說我想申請調高額度,
她說我需要給她財力證明作為審核,但她說她看到我是Citigold客戶,是否同意他們
直接調閱「過去一年」我在花旗銀行的資產紀錄,我說沒問題,我同意。
然後我說我還有一些他行存款,可以給妳們作為參考嗎?她說是他行活存嗎,可以,要
用傳真嗎?我說我沒有傳真機,用E-mail可以嗎?客服小姐說可以,就給我她們的信箱
和我應該寫什麼主旨。
我準備了:
Citigold資產(這我沒附,我在信裡寫請自行調閱本人花旗資產資料):我只有剛好放
符合Citigold的最低門檻(3M)而已。
星展豐盛理財金融卡和存摺封面以及存摺定存頁的清晰照片(還好我的星展帳戶有存摺,
我發現銀行比較喜歡看實體存摺,現在要我只附電子對帳單給這些較龜毛的銀行,我都
怕怕的,因為對帳單上的帳號或姓名有***號,存摺和金融卡沒有,因此有存摺我一定給
存摺);大約2.3M。
華南銀行(SnY)存摺以及活存內頁清晰照片;大約100K。
台新銀行最新電子對帳單(主要是讓花旗看Richart帳戶的餘額),因為這個帳戶真的沒
有存摺可給,只能硬著頭皮給PDF帳單,我也告訴花旗PDF文件密碼,因為我是直接把台新
寄給我的對帳單原始檔給花旗,密碼就是我的ID;大約250K。
這次就給花旗這四樣東西,都是存款資料,沒有任何薪轉或扣繳憑單。
就在今天(09/20)傍晚,我收到花旗的簡訊了,審核通過!
調高50%,從350,000 → 525,000,真的好不容易超過半百了,我從2009年3月開始持有
花旗卡,嘗試了這麼久才終於到這個程度。
看看圖片吧:
簡訊:http://i.imgur.com/Md6e5Gh.png
網銀:http://i.imgur.com/zO7Tv2C.png
-
補充:
客服小姐當時有問我:希望調到什麼數字?我說60萬。她說如果審核之後沒有60萬,例如
只有48萬,我可以接受嗎?我說那就以你們花旗審核為主,你們最後決定是多少就多少,
我都OK。
--
為了分享喜悅,本文推文1到3樓我發紅包100P(稅後)。:)
--
文章代碼(AID): #1KlDKFEK (creditcard) [ptt.cc]
在那次調整的一年後,我有再次申請調高額度,單純以Citigold身分送審,但是慘遭
不核准!
我當時想……半年後我再做一次,如果再打槍,我真的得考慮把錢從Citigold撤走了,
因為當初會想放錢在Citibank,真的是以調高額度為前提才願意放的,也放快兩年了。
09/13(中秋節前),我試著透過花旗電話理財中心按按看申請永久信用額度調升:
https://www.citibank.com.tw/global_docs/chi/cc/150424_cli/index.htm,
結果當然不OK,直接說NO,所以我就轉客服,我跟客服小姐說我想申請調高額度,
她說我需要給她財力證明作為審核,但她說她看到我是Citigold客戶,是否同意他們
直接調閱「過去一年」我在花旗銀行的資產紀錄,我說沒問題,我同意。
然後我說我還有一些他行存款,可以給妳們作為參考嗎?她說是他行活存嗎,可以,要
用傳真嗎?我說我沒有傳真機,用E-mail可以嗎?客服小姐說可以,就給我她們的信箱
和我應該寫什麼主旨。
我準備了:
Citigold資產(這我沒附,我在信裡寫請自行調閱本人花旗資產資料):我只有剛好放
符合Citigold的最低門檻(3M)而已。
星展豐盛理財金融卡和存摺封面以及存摺定存頁的清晰照片(還好我的星展帳戶有存摺,
我發現銀行比較喜歡看實體存摺,現在要我只附電子對帳單給這些較龜毛的銀行,我都
怕怕的,因為對帳單上的帳號或姓名有***號,存摺和金融卡沒有,因此有存摺我一定給
存摺);大約2.3M。
華南銀行(SnY)存摺以及活存內頁清晰照片;大約100K。
台新銀行最新電子對帳單(主要是讓花旗看Richart帳戶的餘額),因為這個帳戶真的沒
有存摺可給,只能硬著頭皮給PDF帳單,我也告訴花旗PDF文件密碼,因為我是直接把台新
寄給我的對帳單原始檔給花旗,密碼就是我的ID;大約250K。
這次就給花旗這四樣東西,都是存款資料,沒有任何薪轉或扣繳憑單。
就在今天(09/20)傍晚,我收到花旗的簡訊了,審核通過!
調高50%,從350,000 → 525,000,真的好不容易超過半百了,我從2009年3月開始持有
花旗卡,嘗試了這麼久才終於到這個程度。
看看圖片吧:
簡訊:http://i.imgur.com/Md6e5Gh.png
網銀:http://i.imgur.com/zO7Tv2C.png
-
補充:
客服小姐當時有問我:希望調到什麼數字?我說60萬。她說如果審核之後沒有60萬,例如
只有48萬,我可以接受嗎?我說那就以你們花旗審核為主,你們最後決定是多少就多少,
我都OK。
--
為了分享喜悅,本文推文1到3樓我發紅包100P(稅後)。:)
--
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信用卡
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