[心得] 小白 花旗/華南/元大核卡
[職業]:科技業
[工作年資]:2年多
[年齡]:25 女
[年收入]:60萬
[申辦卡別]:
華南商務旅鑽御璽卡
華南超級現金JCB晶緻卡
華南櫃買贏家生活卡
花旗現金回饋白金卡
元大鑽金Master/VISA
[提供財力證明]:三個月薪資單和工作合約
[是否有無貸款]:學貸6X萬
[核卡額度]:華南三張共用 30K XDDD
花旗 134K
元大兩張共用 80K
[已持有信用卡額度]:一銀附卡
[近三個月申辦及調額]:這三家大約同時一起辦
[心得]:
華南8/27直接臨櫃辦
9/4收到
花旗8/31臨櫃辦
9/3進件
9/8收到
元大9/3進件
9/11核卡
9/16收到
之前一直以來都是用家人的附卡,從持有4年來每年平均大概會刷5-10萬不等
所以想說是時候脫離家人監視了XD 不然每次帳單來都被問啊!
主要是因為要刷機票跟出國旅遊所以辦華南跟元大
(因為爬文知道兩家都有擋刷的紀錄 所以想說辦兩家好像保險一點)
華南是第一家送跟核卡的,額度說意外好像也不太意外XD
不過只刷一張機票大概就沒了,有點不知道怎麼用它
櫃買贏家是幫業務作業績的,本來只有想辦其他兩張
花旗則是看到大家都說出國不用太擔心刷不過,加上想看電影
這張卡讓我來回了不少次改資料
因為本身職業是國外業務,但業務說這個職業通常會要求看到6個月薪資?
所以請我填一般職員
本來上網查進度發現被婉拒了,想到我淋雨去辦卡又跑那麼多次
所以想說進線客服看能不能問出被婉拒的原因
客服說:如果網路顯示婉拒是因為花旗只有兩個選項1.核卡 2.婉拒
就算審核中也只會顯示婉拒,所以叫我等等
幸好後來過了,額度還滿令人開心的,畢竟我學貸很高XD
元大則是用寄件的,打來照會時只跟我確認地址
我想說是不是因為不打算核給我所以不用跟我講太多XD
因為華南跟花旗都有問到公司,薪轉證明之類的,就元大什麼都沒問
後來看到核卡滿意外的,收到信時很緊張覺得該不會又跟華南一樣額度
幸好後來還ok
但有點後悔沒有一起辦愛金卡
講個可能大家已經知道的事
在線上看到核卡但看不到額度
花旗如果打進去 選擇查詢剩餘額度 就可以聽到自己核卡的額度
華南則是進線客服他們會告知
元大則是一定要輸入卡號才能查 所以沒拿到卡前是查不到的 客服也說他們看不到
有想說如果華南最後一個才申請額度會不會稍微好一點
不過我畢竟學貸很高所以有過可能就要知足了XD
最後想問一下 我本來有申請凱基 可是我漏掉簽名要補件
但還沒補 因為有點不確定值不值得辦? (擔心聯徵拉太多)
一瞬間皮夾被擠爆 需要換個新皮夾了XD
--
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