[問題] 哪張現金回饋卡比較好
小弟偏愛刷卡有現金回饋的卡
想從現有所有信用卡中挑幾張
但看了十幾家銀行的卡實在是五花八門
而且網站的資訊也不夠充分
來版上爬過文看了幾張推薦跟不推薦的
才知道誤會花旗的現金回饋卡
原本以為是要有未繳清餘額的部分才有回饋
原來一般消費也有0.5%的回饋
所以有考慮要不要剪透明卡換這張
還有打算辦匯豐的現金回饋卡
以下是小弟希望的狀況:
1.申請門檻不高出年收入400K左右
2.免年費標準是低於10K或是一年內不限金額消費N次
(像小弟辦中信銀行卡給我御璽卡
免年費標準要一年刷超過六萬對我來說達不到
所以等首刷禮拿到就剪卡)
3.不限金額至少0.5%現金回饋
(很多家都是超過一萬多才有0.5%、0.6%沒超過只有0.3%
小弟每個月每張卡頂多刷3、5千元而已)
4.常用的消費:加油、電影、網路購物、藥妝店
(希望能在這幾個地方有優惠)
另外有幾個信用卡的問題提問:
1.大眾錢進卡:
官網上寫刷卡單筆超過888的尾數給存利金跟加值金
那我刷889不就有9元的存利金跟9元的加值金
加起來18元,回饋率蠻高的,有這樣好康的事?
2.有哪幾家銀行有美國運通的卡?
目前查到好像就只有永豐跟中信有而已
3.沒開卡的卡會影響核卡的可能性嗎?
小弟因為這兩個月申請了5張卡
兩張是公司合作的銀行多辦的
一張還沒開卡一張打算剪了
想知道這樣別的銀行在審核時
會算我有5張卡還是4張(不算未開卡那張)?
怕太多卡會不容易核卡
以上幾個問題麻煩各位板友給點回答跟建議,謝謝
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