零利率分期，銀行到底賺什麼？ - 信用卡

By Eartha
at 2020-04-24T00:20

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

--

Tags: 信用卡

All Comments

By Callum
at 2020-04-28T11:54

推

By Joe
at 2020-05-01T01:04

對

By Christine
at 2020-05-03T08:31

安內

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at 2020-05-07T01:23

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at 2020-05-09T05:45

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at 2020-05-11T10:05

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at 2020-05-14T14:36

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at 2020-05-15T20:48

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By Lydia
at 2020-05-16T11:16

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By Gary
at 2020-05-20T07:29

14.99%的利息給頂級卡客戶還真敢

By Freda
at 2020-05-24T00:55

30期5%...去借錢會不會更好？XD

By Caroline
at 2020-05-28T13:05

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By Dinah
at 2020-05-29T00:14

腿

By Una
at 2020-06-02T00:43

樓樓上，一般信用不佳超過比5%高了

By Sierra Rose
at 2020-06-06T22:09

好奇某美國跨國集團是哪一家？

By Gary
at 2020-06-09T19:54

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at 2020-06-11T20:40

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at 2020-06-12T16:22

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at 2020-06-12T21:52

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at 2020-06-16T15:29

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at 2020-06-18T19:45

台灣的美國跨國集團不就那家XD

By Daph Bay
at 2020-06-18T21:39

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at 2020-06-19T05:35

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at 2020-06-19T14:13

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at 2020-06-20T12:36

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at 2020-06-23T08:27

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at 2020-06-23T10:08

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at 2020-06-26T01:43

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at 2020-06-27T06:53

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at 2020-06-27T17:07

長知識

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at 2020-06-29T03:09

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at 2020-07-02T15:32

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at 2020-07-06T01:45

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at 2020-07-10T12:18

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at 2020-07-13T14:40

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By Rebecca
at 2020-07-15T09:10

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

By Hedwig
at 2020-07-18T06:01

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at 2020-07-22T07:19

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at 2020-07-24T08:01

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at 2020-07-25T19:56

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at 2020-07-28T17:17

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at 2020-08-01T23:00

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at 2020-08-04T20:30

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at 2020-08-07T06:50

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at 2020-08-08T23:04

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at 2020-08-13T05:59

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at 2020-08-14T01:21

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at 2020-08-16T10:29

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at 2020-08-19T09:31

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at 2020-08-21T11:43

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at 2020-08-23T18:42

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at 2020-08-25T08:44

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at 2020-08-28T11:07

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By Caitlin
at 2020-09-01T12:11

那個不建議的跨國銀行就方丈啊為人很小氣

By Bennie
at 2020-09-04T12:19

總之再怎樣優惠都不要進入循環利率的坑

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at 2020-09-07T00:25

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at 2020-09-08T13:56

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at 2020-09-09T18:33

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at 2020-09-12T05:07

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at 2020-09-12T21:49

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at 2020-09-14T23:21

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at 2020-09-17T01:25

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at 2020-09-19T07:04

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at 2020-09-22T03:10

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at 2020-09-24T10:39

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By Oscar
at 2020-09-27T18:13

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By Eartha
at 2020-09-28T18:36

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By Heather
at 2020-09-29T18:54

無法理解為什麼要分期..

By Ina
at 2020-09-30T13:34

樂天有自動分期送刷卡金的活動當然要分一下

By Linda
at 2020-10-04T12:47

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at 2020-10-09T02:11

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at 2020-10-11T21:48

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at 2020-10-13T23:39

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at 2020-10-16T22:20

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at 2020-10-19T03:30

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at 2020-10-23T00:32

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By Adele
at 2020-10-24T04:57

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By Bethany
at 2020-10-27T04:18

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

By Charlotte
at 2020-10-27T05:46

By Zora
at 2020-10-29T03:43

30期5%??(驚)哪間這麼猛

By Eden
at 2020-11-02T16:33

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at 2020-11-07T08:57

美國那家真的很沒誠意…已剪

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at 2020-11-08T05:40

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at 2020-11-09T01:12

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at 2020-11-09T07:12

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at 2020-11-10T12:25

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at 2020-11-15T00:14

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at 2020-11-16T18:53

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at 2020-11-20T00:41

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at 2020-11-23T16:27

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at 2020-11-25T12:30

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at 2020-11-28T12:50

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at 2020-11-30T18:13

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at 2020-12-01T00:02

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at 2020-12-03T09:43

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at 2020-12-08T06:41

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at 2020-12-08T20:17

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at 2020-12-10T19:04

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at 2020-12-11T06:01

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at 2020-12-15T20:32

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at 2020-12-18T05:22

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at 2020-12-21T19:15

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at 2020-12-25T18:05

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at 2020-12-28T07:13

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at 2020-12-31T06:01

永遠不要用循環利息

By Tristan Cohan
at 2021-01-01T16:57

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at 2021-01-05T07:27

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at 2021-01-08T17:15

賺

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at 2021-01-10T22:12

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at 2021-01-14T16:02

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at 2021-01-17T01:42

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at 2021-01-20T22:50

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at 2021-01-21T13:21

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at 2021-01-25T03:12

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at 2021-02-02T12:46

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at 2021-02-03T06:36

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at 2021-02-06T11:05

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at 2021-02-11T08:54

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By Zora
at 2021-02-11T19:29

銀行大概拿，有困難不能全付或借錢的利息補這塊。

By Kelly
at 2021-02-14T04:54

阿不就花枝

By Sierra Rose
at 2021-02-15T03:10

另外很多銀行分期就沒有紅利回饋了這點要算進去

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at 2021-02-16T20:47

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at 2021-02-21T03:35

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at 2021-02-23T14:41

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at 2021-02-26T16:47

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at 2021-03-02T12:24

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at 2021-03-04T02:17

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at 2021-03-07T18:47

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at 2021-03-31T09:16

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at 2021-04-02T08:13

歲月靜好意思就是生活平安寧靜就是最好

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at 2021-04-04T23:12

那麼高利息乾脆貸款了

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at 2021-06-11T07:35

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at 2021-07-13T08:18

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at 2021-07-14T12:38

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at 2021-12-21T06:16

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at 2021-12-22T02:40

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at 2021-12-25T12:09

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at 2022-01-06T07:39

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at 2022-01-08T09:09

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at 2022-01-10T19:21

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at 2022-01-12T22:40

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at 2022-03-11T16:54

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at 2022-03-12T23:39

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零利率分期，銀行到底賺什麼？ - 信用卡

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