[問題] 請教花旗開戶優利1.5%
想請教有花旗財管戶或了解的版友
因為近期親人有花旗客戶,想推薦我去加入1.5%的定存方案
親人是有告知有啥推薦禮可以給我(他自己好像要拿年度的?)
網路大概做功課後,發現好像是一隻不錯的耳機
但這個門檻好像就是財管戶300萬以上
原本手上閒置資金是可以去開啥智富管理戶賺1.5%
若要提升到財管戶,就可能要挪用部份他行定存
算了一下如果存半年後,大概仍會有兩三千塊的解約損失
(他行挪用補足到300W的部份)
拿到的推薦禮好像會比這個損失來的多不少?
但我比較在意的是
1. 帳管費問題,萬一半年後我不再續存
是不是就馬上會有這費用?還是我可以關戶?
2. 財管戶會不會一堆推銷電話,造成困擾
個人是有海外出差使用多國外幣需求(但現在都習慣用信用卡賺回饋)
若開這財管戶不知是否有哪些實質效益
(他行的貴賓戶是可以換匯減免,臨櫃手續費減免等)
還是我就開個智富管理戶就好
若有了解的版友,是否能不吝分享,感激不盡了
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