[閒聊] 花多少精神在處理信用卡的事?
看板creditcard作者breakingdown (Loneliness in Taipei)時間9年前 (2015/06/12 11:36)推噓67(67推 0噓 54→)留言121則, 77人參與討論串1/1
卡很多才有管理的複雜度
有認識一種人(A) 有信用卡 不過他不管信用卡的優惠
有一兩張 只是為了有時候需要刷卡會比較方便
有就好了 不會想辦新卡
1%甚至2%的現金回饋對他沒吸引力
就算跟他推薦 也是無動於衷
他就是喜歡簡單就好
另一種人(B) 是有在更新他的主力卡 通用為主
例如像目前當紅的鑽金 數位生活 凱基悠遊鈦金都有
但都只保留重點卡 同時也會淘汰掉舊卡
持卡數量維持差不多 可能5張上下
另外就是辦卡數很多的一種人(C)
最好什麼時候 什麼場合儘量都有對應的最佳卡(不過當然是依自己的主要需求)
不過這樣一來卡的數量就蠻多的
卡多應該也是有冷凍卡 熱門卡
冷凍卡就可能會遇到年費的問題
(遇到年費再打去取消 或是直接停掉?)
或還是想辦法提醒自己把它餵飽
(有些購物網就算小金額也能分期零利率 這樣餵飽其實是不算難
但就是要多花點精神 照顧自己的卡 只是為了不時之需)
不曉得覺得自己是屬於(A)或(B)或(C)或其他?
好奇不曉得擁有大量卡數的人 是怎麼管理自己的卡?付出多少精神在管自己的卡?
怎麼輕鬆管理?
(像之前常用的卡還沒辦自動扣繳前 都要常提醒自己 覺得自己是在追著帳單跑
後來辦了自動轉帳才覺得省事很多)
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