買空賣空賺點數 有人大賺投機財 - 信用卡

By Susan
at 2012-12-25T18:16
at 2012-12-25T18:16
Table of Contents
Ref. http://tinyurl.com/btfksaz
買空賣空賺點數 有人大賺投機財
2012/12/24【聯合報╱本報記者孫中英】
部分銀行提供信用卡紅利點數移轉服務,讓許多「聰明」的持卡人大玩點數遊戲,賺投機
財,導致金管會不得不下令禁止。
銀行業者表示,這些會玩又會算的持卡人多是群體作戰,慣用手法是先透過網路交易平台
建立人頭戶,然後在各帳戶之間彼此刷信用卡,進行買空賣空的「假交易」,「憑空」賺
取高額的紅利點數。
拿到紅利點數後,有人換取銀行提供的免費機票後再轉售,賺一筆差價;也有人將龐大的
紅利點數,透過拍賣網站平台販售,1點紅利最高可賣到0.35元,但因為取得紅利點數的
成本僅0.11元左右,轉售紅利點數獲利仍可超過2倍。
金管會認為,將信用卡紅利點數拿來轉賣販售,已不符合法規,更何況還有人因而獲利,
因此必須全面禁止。
目前信用卡每月刷卡金額超過1500多億元,假設每30元能累積1點紅利,(且假設所有信
用卡都提供紅利點數),一個月市場就可新增高達50億點紅利點數。
銀行業者表示,持卡人運用紅利點數,過去是以兌換贈品為主,但近期則以折抵現金居多
;許多銀行已提供持卡人,可用紅利點數折抵刷卡購物金額,例如每1000點紅利可折抵60
元現金。
但紅利點數也有使用期限,一般多以2年為限,到期時若沒用完就會失效;有銀行會提供
卡友紅利點數「展期」服務,但也要收手續費。
--
還特別建立人頭戶互刷……
--
買空賣空賺點數 有人大賺投機財
2012/12/24【聯合報╱本報記者孫中英】
部分銀行提供信用卡紅利點數移轉服務,讓許多「聰明」的持卡人大玩點數遊戲,賺投機
財,導致金管會不得不下令禁止。
銀行業者表示,這些會玩又會算的持卡人多是群體作戰,慣用手法是先透過網路交易平台
建立人頭戶,然後在各帳戶之間彼此刷信用卡,進行買空賣空的「假交易」,「憑空」賺
取高額的紅利點數。
拿到紅利點數後,有人換取銀行提供的免費機票後再轉售,賺一筆差價;也有人將龐大的
紅利點數,透過拍賣網站平台販售,1點紅利最高可賣到0.35元,但因為取得紅利點數的
成本僅0.11元左右,轉售紅利點數獲利仍可超過2倍。
金管會認為,將信用卡紅利點數拿來轉賣販售,已不符合法規,更何況還有人因而獲利,
因此必須全面禁止。
目前信用卡每月刷卡金額超過1500多億元,假設每30元能累積1點紅利,(且假設所有信
用卡都提供紅利點數),一個月市場就可新增高達50億點紅利點數。
銀行業者表示,持卡人運用紅利點數,過去是以兌換贈品為主,但近期則以折抵現金居多
;許多銀行已提供持卡人,可用紅利點數折抵刷卡購物金額,例如每1000點紅利可折抵60
元現金。
但紅利點數也有使用期限,一般多以2年為限,到期時若沒用完就會失效;有銀行會提供
卡友紅利點數「展期」服務,但也要收手續費。
--
還特別建立人頭戶互刷……
--
Tags:
信用卡
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