[心得] 玉山世界卡核卡/挑戰財力下限無照會核卡
應該沒有T大完整的XD包裝圖文版:http://goo.gl/FiFXRg
被PTT信用卡板板友號稱是日月千禧酒店波士頓龍蝦買一送一卡的玉山世界卡,據說只比
新光銀行難辦,但是新光銀行曾打槍我辦無限卡(但事後我仍辦下其他銀行四、五張無限
卡),對此我相當存疑這個說法XD
在板上提供邀請函後,我其實仍躊躇不安,畢竟自己收入近五年來幾乎不變,又拿不出像
樣的存款證明,直到我後來爬文爬到有人職業收入均與我相當,而且不附存款證明也成功
核卡時,才決定要挑戰這張卡的辦卡下限。 挑戰不成功我就不去吃龍蝦吃到飽了...
[提供財力證明]:只提供103年扣憑75萬
[已持有卡片]:世界卡還沒發卡前總持卡數84張
額度與持卡量前5名
中國信託 〔額度34萬〕目前所持10張
花旗銀行 〔總額度36.3萬〕目前所持5張
凱基銀行 〔額度32萬〕目前所持3張
華南銀行 〔額度30萬〕目前所持10張
聯邦銀行 〔額度30萬〕目前所持4張
[核卡後]
玉山銀行 〔額度25萬→50萬〕核卡前所持7張
[最近三個月有無申辦]:
104/1
中國信託環球購物中心御璽卡〔額度34萬/舊戶〕
中國信託無印良品聯名御璽卡〔額度34萬/舊戶〕
凱基銀行KGI悠遊鈦金卡〔額度32萬/舊戶〕
樂天信用卡不核卡
104/5
聯邦銀行微風廣場無限卡〔額度15→30萬/舊戶〕
聯邦銀行微風廣場鈦金卡〔額度15→30萬/舊戶〕
聯邦銀行微風廣場晶緻卡〔額度15→30萬/舊戶〕
[貸款]:無,絕不動用循環利息。
[流水帳流程]
6/7 進電0800-521313詢問申請書上怎麼沒傳真號碼,客服查詢我的資料後寄了申請書
強調不一定會過
6/8 中午至分行遞送申請書(申請書上已有電話客服的進件代號),
向行員說明自己只想附上只有記載年收的扣繳憑單,
其它存款什麼的都不想附(不擅理財,覺得附那些零落存款反而會破功),
順便告訴行員傳真時請送速件,這樣要打槍也就早點知道XD。
行員向客服端確認後,得知不是非要存款300萬才能邀請
(事實上依據PTT板友分享,如果職業是律師醫師會計師建築師等四師職業、
政府機關正副首長等,或是存款沒三百萬可是刷卡額大於80萬都是有機會過卡
又首年免年費的),允諾幫忙送件,但是審核依然要看後端。
晚上19:00收到開始審核通知簡訊。
6/9 完全無照會電話。信用卡辦卡進度查詢顯示「徵信審查中」。
6/10 一早查詢已審核過關。
進電客服得知額度從25萬變成50萬~
我本來以為前幾天中信臨調額度提高27.5萬,永豐也臨調好幾萬,
近日這樣亂拉聯徵與分期金額過高應有所影響XD
此外也確認了幾個首刷禮目前均有:
1.正卡核卡後2個月內不限金額刷一筆送888
2.附卡核卡後2個月內不限金額刷一筆送500
3.辦理理財帳戶使用玉山銀行代扣信用卡款,送日幣1320
(維持免年費要件是買賣理財型產品,開戶買賣外幣是一定要的!
據客服說法事後開戶辦理自動扣繳也OK,
反正符合條件的2個月後再來檢驗有無符合資格...只好又把代扣從凱基移過來了)
6/12 卡片寄至公司。厚厚一疊還蠻重的,內有信用卡、PP卡、權益手冊與2015年世界卡會
員優惠(網頁都有寫)。
卡片的正面,質感還不錯~
背面很有趣地看到碳足跡標誌,原來一張卡製造1.1公斤的二氧化碳啊...
接著可以拿這張卡來挑戰SPG的一夜升金囉~
對我來說這張除非為了餐飲買一送一,否則動用率很低,但是仍有幾個吸引人之處:
1. 前2個月消費滿10萬送機場接送(對於刷卡額高但不太花錢刷機票的人來說這有點吸引
力,當然不如聯邦無限卡近一年滿15萬送一次機場接送優)
2. 高額全程旅遊險
3. 同縣市不限里程或跨縣市50公里以內,24小時免費汽車道路救援服務及急修服務(比
較少看到可以登錄2台車的)
4. 免年費條件低到不行。
總之算是一個挑戰下限的紀錄orz
--
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※ 編輯: Kiiroitori (211.74.220.3), 06/27/2015 11:13:29