[心得] 花旗額度調升
原PO嚴格來說應該算無業+學生 (當初辦卡時填自由業做網拍的,年收入填100萬)
因為辦卡時剛好手上有流過一筆資金,所以花旗辦卡時附上非花旗定存單60萬元(3個月)
順利核卡額度8萬元(非學生卡)
後來因為家人結婚,幫家人訂飯店酒席買家電等,可以分期+信用卡回饋
家人又都直接全額現金匯入我帳戶,想說賺點利息錢也好XD
額度有段時間不夠,想申請調額,但因調額需補財力證明
想當然我沒有(當初那筆60萬早就沒了,剩家人給我的大約10多萬)......所以放棄
當時的客服說,如果我持續信用良好可能之後調額會比較有望
之後持續三個月每月刷滿額度8萬元+臨調1萬元都刷滿,並且每個月溢繳+全額繳清
(因為家電都是分期,有佔到額度,所以每個月新增其實大概只有1萬多)
三個月後,花旗客服打電話來通知調升額度3萬2 (等於卡片額度11萬2千元)
調額當下是持卡滿一年多一些。
提供給想要調升額度但又無法附財力證明的人參考
PS. 現在感覺核卡好隨便,調額調的這麼寬鬆,感覺有以前雙卡風暴的前兆
但這已經不是我要擔心的事了XD
信用卡這種預先花費的方式實在是太考驗心智了
我只能在每次刷卡以後就把全額的錢存到扣款帳戶(無論分期與否都存全額)
然後再看金額多少設定一個定存每個月到期一些這樣
不然總覺得花錢沒感覺,很容易就花過頭了><
大家都怎麼控制用信用卡的花費啊?
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