額度重要性 - 信用卡
By Selena
at 2019-05-22T09:51
at 2019-05-22T09:51
Table of Contents
小弟整理的心得給各位參考,如有錯誤請不吝指正,謝謝~
圖文版:https://savingforrich.blogspot.com/2019/05/amoutisimportant.html
前言:
去年辦了某銀行一張信用卡,核卡後額度3萬元,因為權益很普通,然後就一直放在冰庫
裡沒用,希望能來個分眾簡訊,但一直都沒有QQ
一直到了今年推出海外消費回饋高%數,國內消費回饋也還可以接受的%數,回饋無上限的
回饋資格,於是我就把他從冰庫裡拿出來退冰,把主力放到刷這張卡上……
主文:
剛好在3月份我有要購買海外商品,於是我就用了這張卡消費 ……
我在3月當期總共消費了20070元,所以我的額度只剩下9930元,結帳日是在每月3號,繳
款截止日是在每月20號,看似美好拿到海外消費回饋……
但就在4/1當天晚上家人告知我出國要訂房,我立馬就想到了刷這張卡3%回饋,然後會在
訂房網站刷到2萬元,而我的額度只剩下9930元,額度少的困擾,於是我就進線客服詢問
把未繳帳款現在提早繳清要過多久才能把額度恢復回來,客服回答我說明天下午才能入帳
,後天早上才能恢復額度,我心想我馬上就要訂了,竟然跟我說後天才能恢復額度,看來
是無望……
所以我只好轉往臨時調額,然而我又詢問能否臨時調額,客服告知我無法,因為晚上沒有
額度給你調,要等到隔天早上9點才能調整,我心想你們這間銀行什麼都不行,額度又給
這麼少,無奈之下我只好跟客服說謝謝再連絡,改刷其他間銀行的信用卡,在訂完之後,
我趕快把帳款繳清,等後天恢復額度,怕突然又要刷什麼訂房之類的……
結語:
經過這次事情後,我深刻的體會到額度的重要性,在玩銀行提供的回饋時很重要,一不小
心刷太多就不夠額度,用到時方恨少啊~
也了解到未繳帳款繳清要這麼久的時間才能入帳,臨時調額也不是隨時想調就調,唯
有額度調高才能夠一勞永逸!
PS:就算額度高也不會在盜刷時要負擔更多款項
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Tags:
信用卡
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