信用卡

零利率分期，銀行到底賺什麼？ - 信用卡

Eartha avatarEartha · 2020-04-24

Table of Contents


基本上銀行跟妳對賭啦！
不過玩家的策略是永遠不要動用循環息
再加上銀行還會給妳刷卡金
這是一種刷卡人的歲月靜好
有平台+銀行幫忙分擔的概念
還有一種隱藏的叫時間價值就是通膨

之前有朋友玩過這塊
一些寶寶用品（買大量
大額的用分期0利率可能到24期

再登錄拿到銀行刷卡金（這個運氣運氣）
然後再拆成小包裝或拆開販售
只能説這是種辛苦工作

那個信用卡達人寶可夢講過一句話挺不錯：
只要繳的出卡費，管你是賣祖產還是其他方式
重點就是不要使用循環息
那個跟地下錢莊都一樣
有看過地下錢莊可以分期還有拿刷卡金嗎？

其實最近這疫情
有些信用卡公司是有心的
推出30期5%的利息
某電商平台5月好像個人賣場也有推出分期
分24期5.2%左右

然後某美國跨國集團的信用卡
可以看電影就真的不建議
用了3年的頂級卡
利率永遠是14.99%
每個結帳週期還傳簡訊説可以優惠成11.99%...

推文或回覆隨機抽2人
一人666p

--
信用卡

All Comments

Callum avatarCallum2020-04-28
推
Joe avatarJoe2020-05-01
對
Christine avatarChristine2020-05-03
安內
Joe avatarJoe2020-05-07
推
Ivy avatarIvy2020-05-09
補推
Harry avatarHarry2020-05-11
推
Audriana avatarAudriana2020-05-14
手滑弄了箭頭
Dinah avatarDinah2020-05-15
信用卡達人寶可夢咦這段有誤
Lydia avatarLydia2020-05-16
推
Gary avatarGary2020-05-20
14.99%的利息給頂級卡客戶還真敢
Freda avatarFreda2020-05-24
30期5%...去借錢會不會更好？XD
Caroline avatarCaroline2020-05-28
推
Dinah avatarDinah2020-05-29
腿
Una avatarUna2020-06-02
樓樓上，一般信用不佳超過比5%高了
Sierra Rose avatarSierra Rose2020-06-06
好奇某美國跨國集團是哪一家？
Gary avatarGary2020-06-09
推
Daniel avatarDaniel2020-06-11
推
Victoria avatarVictoria2020-06-12
推
Andy avatarAndy2020-06-12
推信用卡達人寶可夢
Andy avatarAndy2020-06-16
推
Gilbert avatarGilbert2020-06-18
台灣的美國跨國集團不就那家XD
Daph Bay avatarDaph Bay2020-06-18
推
Dora avatarDora2020-06-19
推一波
Odelette avatarOdelette2020-06-19
推
Selena avatarSelena2020-06-20
推一下
Selena avatarSelena2020-06-23
推個Michael Chiang 請選我^^
Robert avatarRobert2020-06-23
推
Brianna avatarBrianna2020-06-26
推
Freda avatarFreda2020-06-27
推
Tracy avatarTracy2020-06-27
長知識
Iris avatarIris2020-06-29
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Jacob avatarJacob2020-07-02
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Noah avatarNoah2020-07-06
推
Olivia avatarOlivia2020-07-10
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Charlotte avatarCharlotte2020-07-13
推
Rebecca avatarRebecca2020-07-15
這篇才是正解，銀行內部有違約率資料，結論是分期容
易爆，爆就發大財，無限循環
Hedwig avatarHedwig2020-07-18
推
Adele avatarAdele2020-07-22
推你
Linda avatarLinda2020-07-24
推上去
Rosalind avatarRosalind2020-07-25
666
Kelly avatarKelly2020-07-28
推
Leila avatarLeila2020-08-01
賭起來
Madame avatarMadame2020-08-04
推
Selena avatarSelena2020-08-07
來
Carolina Franco avatarCarolina Franco2020-08-08
666
Selena avatarSelena2020-08-13
推
Carol avatarCarol2020-08-14
推
Franklin avatarFranklin2020-08-16
錢
Callum avatarCallum2020-08-19
推
Candice avatarCandice2020-08-21
推
Rae avatarRae2020-08-23
推
Edwina avatarEdwina2020-08-25
推
Doris avatarDoris2020-08-28
666
Caitlin avatarCaitlin2020-09-01
那個不建議的跨國銀行就方丈啊 為人很小氣
Bennie avatarBennie2020-09-04
總之再怎樣優惠都不要進入循環利率的坑
Xanthe avatarXanthe2020-09-07
推
Ursula avatarUrsula2020-09-08
推
Blanche avatarBlanche2020-09-09
推
Skylar Davis avatarSkylar Davis2020-09-12
推推推
Margaret avatarMargaret2020-09-12
推
Olive avatarOlive2020-09-14
推
Annie avatarAnnie2020-09-17
推
Faithe avatarFaithe2020-09-19
推
Genevieve avatarGenevieve2020-09-22
商人不是吃素的~
Tracy avatarTracy2020-09-24
方丈XDDD
Oscar avatarOscar2020-09-27
推
Eartha avatarEartha2020-09-28
推
Heather avatarHeather2020-09-29
無法理解為什麼要分期..
Ina avatarIna2020-09-30
樂天有自動分期送刷卡金的活動 當然要分一下
Linda avatarLinda2020-10-04
推
Callum avatarCallum2020-10-09
推
Puput avatarPuput2020-10-11
抽
Dinah avatarDinah2020-10-13
推
Joseph avatarJoseph2020-10-16
推
Una avatarUna2020-10-19
哈哈，所以它家的卡片我一張都不辦！
Ivy avatarIvy2020-10-23
錢
Adele avatarAdele2020-10-24
推
Bethany avatarBethany2020-10-27
這家循環很謎啊，只要辦過一次，每月都收到優惠14.99的
分期利率 XD
Charlotte avatarCharlotte2020-10-27
ok
Zora avatarZora2020-10-29
30期5%??(驚)哪間這麼猛
Eden avatarEden2020-11-02
推
Tom avatarTom2020-11-07
美國那家真的很沒誠意…已剪
Madame avatarMadame2020-11-08
推
Olivia avatarOlivia2020-11-09
推
Liam avatarLiam2020-11-09
對
Dora avatarDora2020-11-10
推
Hedwig avatarHedwig2020-11-15
推
Quintina avatarQuintina2020-11-16
推
Steve avatarSteve2020-11-20
666想到6/6
Charlotte avatarCharlotte2020-11-23
推
Frederic avatarFrederic2020-11-25
推
Freda avatarFreda2020-11-28
推
Jacob avatarJacob2020-11-30
推
Kyle avatarKyle2020-12-01
推 666
Selena avatarSelena2020-12-03
推
Belly avatarBelly2020-12-08
推
Charlotte avatarCharlotte2020-12-08
$
Zora avatarZora2020-12-08
推
Genevieve avatarGenevieve2020-12-10
推
Andrew avatarAndrew2020-12-11
推
Linda avatarLinda2020-12-15
推
Susan avatarSusan2020-12-18
推
Olive avatarOlive2020-12-21
讀取進度 玖伍
Olive avatarOlive2020-12-25
推
Joseph avatarJoseph2020-12-28
推
Hedda avatarHedda2020-12-31
永遠不要用循環利息
Tristan Cohan avatarTristan Cohan2021-01-01
推
Adele avatarAdele2021-01-05
推
Ula avatarUla2021-01-08
賺
Kama avatarKama2021-01-10
推
Lydia avatarLydia2021-01-14
推
Delia avatarDelia2021-01-17
推
Oliver avatarOliver2021-01-20
推
Zanna avatarZanna2021-01-21
推推～
Hedy avatarHedy2021-01-25
分享推個
Hazel avatarHazel2021-01-26
推推
Lauren avatarLauren2021-01-28
推
Olivia avatarOlivia2021-02-02
推
Hedy avatarHedy2021-02-03
推
Erin avatarErin2021-02-06
推
Elizabeth avatarElizabeth2021-02-11
推
Zora avatarZora2021-02-11
銀行大概拿，有困難不能全付或借錢的利息補這塊。
Kelly avatarKelly2021-02-14
阿不就花枝
Sierra Rose avatarSierra Rose2021-02-15
另外很多銀行分期就沒有紅利回饋了 這點要算進去
Wallis avatarWallis2021-02-16
推
Carol avatarCarol2021-02-21
推
Ursula avatarUrsula2021-02-23
推
James avatarJames2021-02-23
好
Wallis avatarWallis2021-02-26
推
Ula avatarUla2021-03-02
歲月靜好到底是什麼意思啦
Eartha avatarEartha2021-03-04
推
David avatarDavid2021-03-07
推
Frederic avatarFrederic2021-03-09
推
Damian avatarDamian2021-03-12
推
Thomas avatarThomas2021-03-12
推
Rae avatarRae2021-03-16
推
Dinah avatarDinah2021-03-21
推
Kelly avatarKelly2021-03-21
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Enid avatarEnid2021-03-23
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推
Dora avatarDora2021-03-28
推
Kristin avatarKristin2021-03-31
推
Jacky avatarJacky2021-04-02
歲月靜好 意思就是生活平安寧靜就是最好
Ula avatarUla2021-04-04
那麼高利息乾脆貸款了
Irma avatarIrma2021-04-06
推
Enid avatarEnid2021-04-07
推
Regina avatarRegina2021-04-10
666666666
Ula avatarUla2021-04-11
推
Michael avatarMichael2021-04-12
推
Bennie avatarBennie2021-04-13
推推
Freda avatarFreda2021-04-18
推666
Oscar avatarOscar2021-04-19
推推~
Callum avatarCallum2021-04-22
推個 666
Ina avatarIna2021-04-23
推
Joseph avatarJoseph2021-04-27
666
Tracy avatarTracy2021-04-30
推
Joe avatarJoe2021-05-02
有開花的那家？
Ethan avatarEthan2021-05-04
誰是寶可夢？
Andy avatarAndy2021-05-09
推
Jacky avatarJacky2021-05-13
哇棒棒
Freda avatarFreda2021-05-16
推
Eartha avatarEartha2021-05-18
推
Hedy avatarHedy2021-05-21
發錢帶風向
Dorothy avatarDorothy2021-05-25
公布卡號被盜刷的新卡神
William avatarWilliam2021-05-25
6666
Una avatarUna2021-05-29
推
Susan avatarSusan2021-05-29
推
James avatarJames2021-06-01
666
Liam avatarLiam2021-06-03
抽
Steve avatarSteve2021-06-06
我有朋友就是這樣刷爆，有財力都選擇一次付清
Genevieve avatarGenevieve2021-06-11
國泰給我限時3.88的利率，不用就是不用免得上勾
Harry avatarHarry2021-06-14
喔喔
Mia avatarMia2021-06-17
推
Madame avatarMadame2021-06-22
推推 抱歉剛按到噓
Joseph avatarJoseph2021-06-26
推~長知識了
James avatarJames2021-06-27
推起來
Margaret avatarMargaret2021-06-29
推解說
Isla avatarIsla2021-07-01
推~~
Andy avatarAndy2021-07-06
推
Jacky avatarJacky2021-07-10
666p有很多嗎？
Mary avatarMary2021-07-13
可惜那間也很會記仇，捨不得把卡都剪光，至少留一張
Todd Johnson avatarTodd Johnson2021-07-14
推
Jack avatarJack2021-07-18
推
Jacob avatarJacob2021-07-21
推
Hazel avatarHazel2021-07-24
666
Rachel avatarRachel2021-07-28
推
Daniel avatarDaniel2021-07-30
三小 原來是發錢文
Elvira avatarElvira2021-08-01
就開賭場概念
Bennie avatarBennie2021-08-04
推推
Kelly avatarKelly2021-08-04
推
Skylar Davis avatarSkylar Davis2021-08-07
推
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推
Daph Bay avatarDaph Bay2021-08-10
推
Daph Bay avatarDaph Bay2021-08-12
推
Odelette avatarOdelette2021-08-14
6起來
Rebecca avatarRebecca2021-08-19
推
Carol avatarCarol2021-08-20
我也被騙近來..
Harry avatarHarry2021-08-21
推
David avatarDavid2021-08-24
推
Ethan avatarEthan2021-08-24
推
Odelette avatarOdelette2021-08-28
推
Delia avatarDelia2021-09-01
選我選我666
Enid avatarEnid2021-09-04
此風不可長
Rebecca avatarRebecca2021-09-05
推
Elizabeth avatarElizabeth2021-09-05
推
Iris avatarIris2021-09-07
錢
Audriana avatarAudriana2021-09-07
粘
Agatha avatarAgatha2021-09-10
1332p幣 換一個推爆的文 真划算
Madame avatarMadame2021-09-13
推
Donna avatarDonna2021-09-16
一堆乞丐
Irma avatarIrma2021-09-20
推666
Iris avatarIris2021-09-25
...
Mason avatarMason2021-09-27
蓋
Joe avatarJoe2021-09-28
確實
Sandy avatarSandy2021-10-02
666
Hedda avatarHedda2021-10-05
推
Adele avatarAdele2021-10-06
推 這篇正解~
Valerie avatarValerie2021-10-09
推 $$
Charlie avatarCharlie2021-10-11
趁機問 p幣可以幹嘛...?
Sandy avatarSandy2021-10-15
推
Harry avatarHarry2021-10-16
推
Bethany avatarBethany2021-10-18
推推
Dinah avatarDinah2021-10-22
推
Olivia avatarOlivia2021-10-26
推~~~
Lily avatarLily2021-10-26
推
Erin avatarErin2021-10-27
good
Irma avatarIrma2021-10-30
我也要666
Elvira avatarElvira2021-11-02
666我來了
Thomas avatarThomas2021-11-05
推有道理!!
Christine avatarChristine2021-11-10
推
Rachel avatarRachel2021-11-14
推
Joe avatarJoe2021-11-17
推
Carol avatarCarol2021-11-17
推
Genevieve avatarGenevieve2021-11-21
推666
Adele avatarAdele2021-11-24
推
Anthony avatarAnthony2021-11-26
推666
David avatarDavid2021-11-27
推
Anthony avatarAnthony2021-11-30
推
Elizabeth avatarElizabeth2021-12-02
推
Brianna avatarBrianna2021-12-03
信用卡達人寶
Elma avatarElma2021-12-06
推
Jacky avatarJacky2021-12-08
推
Iris avatarIris2021-12-10
推
Oscar avatarOscar2021-12-14
推
Madame avatarMadame2021-12-16
推
Ethan avatarEthan2021-12-19
推
Sandy avatarSandy2021-12-21
推
Edward Lewis avatarEdward Lewis2021-12-22
兆豐e秒刷分期還是算紅利，而且是每期分開算，不是一次
結清，這樣累積紅利很划算，這就是分期的原因之一
Zora avatarZora2021-12-25
推
Ivy avatarIvy2021-12-29
推
Quintina avatarQuintina2021-12-31
推
Hamiltion avatarHamiltion2022-01-03
推
John avatarJohn2022-01-06
推～
Agatha avatarAgatha2022-01-08
就是希望你分期了在這段期間內不會剪卡並增加動卡率啊！
Robert avatarRobert2022-01-10
推推推
Michael avatarMichael2022-01-12
666
Ula avatarUla2022-01-17
推~~
Odelette avatarOdelette2022-01-20
推
Steve avatarSteve2022-01-25
推
Xanthe avatarXanthe2022-01-26
推
Edith avatarEdith2022-01-28
推
Ida avatarIda2022-01-29
推 666
Jacob avatarJacob2022-02-03
推
Todd Johnson avatarTodd Johnson2022-02-07
推
Hedy avatarHedy2022-02-11
推啦
Robert avatarRobert2022-02-15
推推
Susan avatarSusan2022-02-15
推
Kristin avatarKristin2022-02-16
Push
John avatarJohn2022-02-17
推
Linda avatarLinda2022-02-17
PUSH
Catherine avatarCatherine2022-02-19
推
Emily avatarEmily2022-02-23
推
Cara avatarCara2022-02-24
推
Frederic avatarFrederic2022-02-27
推
Kelly avatarKelly2022-03-02
推
Olive avatarOlive2022-03-03
推
Andrew avatarAndrew2022-03-05
推
John avatarJohn2022-03-07
推
Liam avatarLiam2022-03-11
真的
Jake avatarJake2022-03-12
推