HSBC白金卡
本人未開過信用卡在此有d疑問想求証最近去東亞開張白金卡被拒後收到HSBC既預先批刻信
批左張白金俾我(我係HSBC出糧)
想問下我年薪不足25m 佢照批我會唔會有額外費用要交?
由於我只係備用除左年費,遲交既息口外.....HSBC有冇咩收費久唔久要交?
比起其他bank 佢既息口算唔算高? Pre-approval doesn't necessarily mean your application under it will be definitely approved - it should be merely understood as invitation to apply [url]http://www.hongkongcard.com/forum/forum_show.php?id=4035[/url]
HSBC interest rates (31.86%or 33.07%[url]http://www.hsbc.com.hk/1/PA_1_3_S5/content/hongkongpws/pdf/bank-tariffs.pdf[/url])aren't particularly cheap...but:
1.Like all HK credit cards,HSBC has interest-free period on most transactions except cash advance.In HSBC's case it's 26-57 calendar days (depending when your credit card statement day is - transactions are billed monthly and you have 26 days to settle your bill - hence 26-57 interest free days.HSBC's 26 days is one of the longest in HK,Citi only gives me 14 after bill date.
2.You can do some interest-free instalments on some purchases*...not all merchants extend such offers to HSBC cardholders but a fair few do.Too bad HSBC does publish a list of instalment-accepting merchants like Standard Chartered [url]http://www.standardchartered.com.hk/promo/instalment-plan-list/en/index.html[/url](if Standard Chartered offers interest-free instalment plan,you can call the merchant and ask if the same offer is extended to HSBC cardholders also,frequently merchants have identical offers for different cards).
3.If you foresee spending >cash on hand,you're better advised to get a personal loan...Hang Seng and BoC has p-loans for "as low as"8%
[url]http://bank.hangseng.com/1/2/personal/loans/instalment-loan[/url]
[url]http://www.bochk.com/web/common/multi_section.xml?section=personal&level_2=loans&fldr_id=30920&lang=tw[/url]
4.Not much other fees really...there's a once a year annual fee but provided you make all payments,you're pretty sure to get waiver.Again unlike Citi,HSBC assesses late charges but isn't too strict on the "day late"/"weekend payment"/"first time offender"cases (meaning you can ask them for waiver).Their 1.95%fee on foreign currency transactions is the norm in HK.
It's just that their reward program (RewardCash)is weak.So weak it might as well not exist in my view.$25,000 spending for $100 supermarket coupon,and you must redeem the certificate in store within one month of earning enough RC for the coupon.
I keep my HSBC card permanently in my wallet,cos HSBC has the largest discount program around.You get 5 or 10%discounts from time to time.
*note - if you use instalment,you lose some refund rights guaranteed by Visa,such as Chargeback [url]https://choice.yp.com.hk/consumer_council/ch/html/listsectionarticle.aspx?issue=405&article_id=3461§ion=%a7%eb%b6D%b9%ea%bf%fd[/url]
[[i] 本帖最後由 percysmith 於 2010-7-24 15:03 編輯 [/i]] 感謝你先......但英文睇唔明
回覆3# tacc55 的帖子
[url]http://translate.googleusercontent.com/translate_c?hl=en&sl=en&tl=zh-TW&u=http://www.getjetso.com/forum/thread-368392-1-1.html&rurl=translate.google.com&twu=1&usg=ALkJrhhDJNt3fvJ5SggH8zJQ-gU42JnlEg[/url] 雖然文法亂晒但多謝先~HSBC好定東亞? 雖然文法亂晒但多謝先~
HSBC好定東亞? 應該唔會批,因為佢都寫到明年薪幾多,好難個個未夠數都批,hsbc好過東亞,東亞服務熱線差到爆:smilies02:
頁:
[1]
