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wangwill · 5 months

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信用卡管理

去年20221216寄來的

CG卡到今日才開卡。另11月7日寄來簡訊，一年未使用要降額度，有卡無用武之一地，原因遲繳近百分之16的違約費用令人卻步。人生經不起多項波折。以前勉強申請，因需要，因禮品誘惑而申請。不需要則減少省煩惱。勿以事小不處理，被逼繳年費當寃大頭。20231112W7

另11月7日寄來簡訊

XXX您好：感謝您對YX信用卡的支持，因您長期未使用本行信用卡，為降低卡片遺失或冒用風險，本行將於次月1日起調整您的信用額度至5萬元。若您想維持原有之信用額度，請於本月20日前簡訊回傳/，本行將維持您原有信用額度。若有疑義，可連繫本行智能客服。

網路資料

有效期的格式是MM/YY，在信用卡正面下方四位数，前两位代表月份，后两位代表年份，如04/21，代表有效期到2021年4月30日。

理財，要從整理開始！在清完不需要的戶頭後，來清理多餘的，或是默默消耗你金錢的信用卡吧。

範例

1.新戶

(1核卡90天内享第首刷禮「指定行動支付單筆滿1.000元(含)以上最高贈250元」刷卡金回饋

(2)國内外一般消费首6期帳單每月100元刷卡金回饋，最高600元

(3)國外實體店家一般消費加碼2%，每戶最高500元刷卡金回饋

2.2024/2/29前申辦再享「新卡有禮 •限定5%送」加碼優惠，於網購、百貨、名大加油站消費登錄享5%，每戶回饋上200元刷卡金回饋

3.核卡30天内累積一般消費2筆且單筆999元（含）以上，贈「Money101限定滿額禮200元多選一即享券」

信用卡

可消费信用的支付卡

信用卡（英語：Credit Card），是一種非現金交易付款的方式，是銀行業提供的信貸服務。信用卡一般是長85.60毫米、寬53.98毫米、厚0.76毫米的塑膠卡片（尺寸大小是由ISO 7810、7816系列的文件定義），現市面上也有金屬卡面，由銀行或信用卡公司依照用戶的信用度與財力發給持卡人，持卡人持信用卡消費時無須支付現金，賬單日（英語：Billing Due Date）時再進行還款。

除部份與金融卡結合的信用卡外，一般的信用卡與借記卡、提款卡不同，信用卡不會由用戶的帳戶直接扣除資金。

信用卡

歷史

最早的信用支付出現於19世紀末的英國，十九世紀八十年代，針對有錢人購買昂貴的奢侈品卻沒有隨身攜帶那麼多錢，英國服裝業發展出所謂的信用制度，利用記錄卡，購物的時候可以及早帶流行商品回去，旅遊業與商業部門也都跟隨這個潮流搶佔商機。但當時的卡片僅能進行在特定場所的短期商業賒借行為，款項還是要隨用隨付，不能長期拖欠，也沒有授信額度，完全是依賴富裕人口的資本信用而設計。20世紀50年代，第一張針對大眾的信用卡出現，美國曼哈頓信貸專家麥克納馬拉（Frank McNamara）在飯店用餐，由於沒有帶足夠的錢，只能讓太太送錢過來。這讓他覺得很狼狽，於是組織了「食客俱樂部」（英語：Diners Club，即為大來卡），任何人獲准成為會員後，帶一張就餐記賬卡到指定27間餐廳就可以記賬消費，不必付現金，這就是最早的信用卡。[1]此後隨簽約的合作對象越來越多，可供臨時透支的服務範圍也越來越大，人們也習慣了這種不必攜帶現金的方便交易型式，促進了銀行信用卡的到來，美國富蘭克林國民銀行是第一家發行信用卡的銀行，之後其他美國銀行也跟隨。

信用卡組織

國際上主要的發卡組織有Visa、萬事達卡、美國運通、大來國際、JCB、中國銀聯及發現卡等。

信用卡功課

內容目錄

信用卡剪卡是什麼？

信用卡剪卡流程為何？

信用卡剪卡前要確認什麼？

自身的信用長度

是否尚有分期未繳清

是否尚有紅利點數未使用

是否有剩餘的溢繳款項

是否曾設定過自動代扣繳

是否綁定第三方平台

是否有電子票券餘額

是否有附卡

信用卡剪卡會有什麼影響？

哪些信用卡建議剪卡？

回饋降低或可被取代的卡

年費過高的信用卡

半年以上沒用的信用卡

信用卡剪卡常見問題

結語

信用卡剪卡簡單來說就是「註銷信用卡」，但不單單只是剪掉或丟掉，還需通知銀行客服停用需求，毀損信用卡磁條、卡號、姓名及晶片等明顯個資處等，避免個人資料外流，這樣的過程就稱為「剪卡」。

不開卡也要繳年費！用不到的信用卡快取消

①用不到，也不要以為收到卡，直接剪掉就好，一定要打電話取消！

②快動手幫長輩、幫自己的荷包（或抽屜）檢查有沒有這種用不到的信用卡。

為了避免長輩傻傻搞不清而辦了信用卡，大家快點回家幫長輩檢查一下，也順便清理一下自己的信用卡庫存，用不到就申請取消，千萬不要放在家裡占空間，然後還可能要幫它繳年費，實在太不划算啦！

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damien-tw · 7 months

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中時新聞網 Chinatimes.com: 《金融》台灣電子支付三腳督它以75.06%使用率居冠

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mantsha-blog · 4 years

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#Money101 #LevelUp https://www.instagram.com/p/CE346lzj-AU/?igshid=1io5g01dm9i3y

#money101 #levelup

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businessdreams005-blog · 4 years

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Do you agree with me? Comment Below 👇 -------------------------------------------------------------------------- Double tap if you like this❤️ -------------------------------------------------------------------------- Like our content? Hit that follow button!⬇️👍 💎 @business_dreams_ 💎 @business_dreams_ 💎 @business_dreams_ ---------------------------------------------------------------------------- 🗣️Leave your Thoughts below ---------------------------------------------------------------------------- 👩‍💻Save to Look Later ---------------------------------------------------------------------------- 🔔Turn On Post Notification 🔔 ---------------------------------------------------------------------------- Follow us on Facebook @business_dreams_ --------------------------------------------------------------------------- #highincome #highincomeskills #bepassionatetowardsyourgoals #bepassionate #readmorebooks #optimiseyourself #neverlosehope #learntonegotiate #negotiator #learninvesting #investinginstocks #learntrading #money101 #moneyflow101 #millionairematchmaker #millionaireminds #millionairethinking #millionairementor #billionaireclub #billionairethinking #millionaireroutines #thinkwisely #decidewisely #makerightdecisions #business_dreams_ #bnesslaw #entrepreneursupport #entrepreneursuccess #businesscoaching #investingforbeginners (at Stockholm, Sweden) https://www.instagram.com/p/CELnfeLH7MO/?igshid=gpsgbqhmg3l0

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iamrockl · 4 years

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⁣ .⁣ .⁣ .⁣ .⁣ .⁣ #books #financialempowerment #savings #financialfreedom💰 #moneytips #budgeting #personalfinance #debtfreecommunity #motivation #financialfreedomstartshere #financialeducator #debtfree #personalfinancetips #millionairemindset #financzen #financialwellbeing #financialfreedom #financzenwithally #money101 #goals #personalfinanceforwomen #moneygoals #financialsuccess #financeexpert #debtfreejourney #personalfinanceblog #investinginyourself #financialplanning #savemoney #millenialfinance via @hashtagexpert https://www.instagram.com/p/CDKrIfMFlIZ/?igshid=1itz2sfuvzyuv

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themoneygeeks-blog · 4 years

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DM "EARN" TO CREATE A PASSIVE INCOME STREAM TO KEEP THE MONEY FLOWING INTO YOUR POCKET 24/7 🔹 🔹 Knowledge is Contagious.! Share this post with your Dear ones & spread the Knowledge 💡 ♥ 🔹 🔹 Join the team 🤝 👇🏻👇🏻👇🏻👇🏻👇🏻 Follow me 👉 👉 @themoneygeeks 👈 👈 Follow me 👉 👉 @themoneygeeks 👈 👈 for more! 💸💰💵 🔹 🔹 Pro Tip💡: Turn ON Post Notifications & never miss a post from me..! (Click the 3 Dots on top right corner of any of my posts & Turn ON Post Notifications) 🤝 ♥ 🔹 🔹 ✔️ Double tap if you like this post.. 💟 ✔️ Must Save this Post to see it later 🔖 😊 🔹 🔹 Don't forget to 👉 Like 👍🏻 👉 Comment 💬 👉 Share 🔁 🤗 Support ♥ 🔹 🔹 Connect to my Personal account 👉 👉 @imsuryaofficial 👈 👈 🔹 🔹 Follow me @themoneygeeks & Stay tuned for more cool stuff like this.. I love you all Guys..! ♥ 🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹 #entrepreneursofig #moneymayweather #motivationalquotes #successprinciples #money101 #wealth101 #millionaire101 #millionairethinking #millionairemindframe101 #millionairemind101 #millionaireclub101 #affiliatemarketingtips #affiliatemarketingbusiness #affiliatemarketingsuccess #affiliatemarketing #businessmotivation101 #businessopportunities #businessmen #businessinsider #passiveincomelifestyle #passiveincomeideas #passiveincomesources #passiveincomestreams #billionaireclub101 #billionairesrival #moneyheist #richkidsofinstagram #entrepreneurmindset #themoneygeeks (at Miami Beach, Florida) https://www.instagram.com/p/CC59TZll0qw/?igshid=1q8yvxhkdai36

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roxannedavid101-blog · 5 years

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EDUCATION IS THE KEY. Are you familiar with the phrase: “The older you get, the wiser you are”? We go through kindergarten to learn how to write our names, through grade school to learn how to do math and read, through high school to learn complicated math and science and through college to learn how to focus on one thing and be good at it to be able to use it as a profession. Maybe even go through Graduate school to master that profession. But look at this, everyday of our lives, we learn something new.

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phwealthy-blog · 5 years

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Make sure that all of you go download #creditstacker now. It’s a mobile game app that teaches you about credit. Credit is important for building wealth. Shoutout to @angelrich27 for creating something so needed #blackowned #wealthy #phwealthy #money #wealthbuilding #money101 #creditstacker #games #education #growmoney #invest #buyblack #breakthecycle #knowyourmoney https://www.instagram.com/phwealthy/p/Bvc4QLknOOE/?utm_source=ig_tumblr_share&igshid=161xvy4xf27iz

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studywithnsworld · 3 years

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Spending your money wisely 101

So on my YouTube channel I have made a video on how to write a budget for teens. I explained the main purpose of writing a budget band that what is a budget of course.

How do you spend your money wisely comment down below

#moneyblr #studentlife #school life #student #money #budget #write blr #money101

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budgetbros · 3 years

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Simple money strategy. #income goes up, #savings does too. It doesn’t mean you can’t #spend a little more, but don’t make that your only #moneygoal for the moment. It will do you some good. #budget #money #finance #financetips #savingstips #money101 #learnoninstagram https://www.instagram.com/p/CP0Rd4dBWwR/?utm_medium=tumblr

#income #savings #spend #moneygoal #budget #money #finance #financetips #savingstips #money101 #learnoninstagram

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wayofgentlemen-blog · 5 years

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THE WAY OF GENTLEMEN Who the hell is Chuck? #grantcardone #cashflow #financialfreedom #garyvaynerchuk #grayvee #successquotes #improve #better #personaldevelopment #money #invest #challenges #obstacles #sandiego #youtube #sub4sub #newyoutube #Financialadvice #money101 #budgetplanner #budget #money #debt #youtubesubscribers #cashflow #gentalman #Gentlemen #mentorship #personaldevelopment (at San Diego, California) https://www.instagram.com/p/BrSDaHmni0J/?utm_source=ig_tumblr_share&igshid=og30lf5xfdsd

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jbailinisi · 6 years

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#femaleentrepreneurs #femalebusinessowner #Biz #YoungEntrepreneurs #Photographers #HomeBasedBusinessOwners #JBailinisi #MentorShipProgram #Money101 #LearnHowToEarn [email protected] Always remember everyone starts out in the exact same place at the bottom. The majority of millionaires that are out there today are self-made millionaires. Which means when they started out they were just like me they didn’t have a pot to piss in or a window to throw it out of.. BUT The one common trait we all shared was the desire to succeed. So never think For a moment that you are at a disadvantage, you have the same advantages that everyone else has. Every skill that you need to succeed can be taught. Every technique, method, system, & writing ability can be taught. Anything & everything that you want to know or want an answer to is readily available. The only decision you have to make is the decision to use the resources that are readily available to you. The Best way to succeed in business is to learn and be Mentored by someone who has succeeded in business. Makes sense right !! How far you go in life and in business is completely up to you, no one can make that decision for you.. If you have tried Several different approaches and nothing seems to be generating the results you’re looking for it’s time to reevaluate the Methodology you are using. You can have the greatest product or service in the world but if it doesn’t have the right presentation no one is going to buy from you.. Everything you do has to be flawless. You have to have a strong marketing advertising and promoting campaign. You have to have a flawless presentation. You have to be able to connect with your clients, customers, buyers, potential distributors.. Because if you can’t Make that connection you have a business that’s not generating any profits & the purpose of a business is to generate A lifetime of profits, and residual income. If you are not seeing the results you’re looking for the only thing you’re producing is frustration, anxiety, & negative emotions. If those issues are not dealt with you will feel as though you have Wasted your time, energy, and money. #SuccessStartsHere E-Mail me today

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mantsha-blog · 4 years

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The beautiful and talented @mphoputini collecting #Money101 and #ForsakingAllToFollowJesus https://www.instagram.com/p/CEGtkU9jC9U/?igshid=wdxetoo9xkuc

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businessdreams005-blog · 4 years

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Double tap if you like this❤️ ---------------------------------------------------- Excuses are used to get out of your commitments. You’ve taken the time to commit to a certain activity. Then, at the last minute you’ve decided you can’t do it because you’re too tired, it’s your best friend’s birthday or whatever you’ve decided is an acceptable excuse. Well that excuse means you’re now behind on your goals. I believe that there is always someone working as hard as you, the only difference? They don’t use excuses, they just do it. Every time you find yourself making up an excuse it’s time to act on whatever it is you’re supposed to be doing. Excuses do nothing but put you behind. I started to think to myself ‘how can I expect to get ahead in life if I put in the same as everyone else?’. I can’t. It doesn’t make any sense. If myself and someone else are working full time, then coming home and relaxing, am I going to get ahead? Of course not! You have to come home, put in the extra effort, work on an idea, give up your weekends, give up parties, stop binge watching TV shows if you ever want to get somewhere in life. ---------------------------------------------------- 🗣️Leave your Thoughts below ---------------------------------------------------- Like our content? Hit that follow button!⬇️👍 💎 @business_dreams_ 💎 @business_dreams_ 💎 @business_dreams_ ---------------------------------------------------- Follow us on Facebook @business_dreams_ ---------------------------------------------------- #thinkwisely #thinkwise #gainknowledge #fuelyourbrain #business_dreams_ #lifegoals #achieveyourgoals #avoidexcuses #businesstips #marketingguide #businessminded #bepersistent #bepatient #bethekingofyourownkingdom #entrepreneur #entreprenurshipmindset #money101 #business101 #business101mindset #bewise #entrepreneurcoach #businessmotivation #startupmotivation #selfinspiration #investor #instapreneur #instagramguide #instagrammarketing #businessstrategy #marketingideas https://www.instagram.com/p/CDBRjQVnAnR/?igshid=15c3a8203gaoh

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officialversatile-blog · 7 years

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One is a multimillionaire and the other is a billionaire. Both are not afraid to find out the common interests they have regardless of how they grew up. It is not about social constructs. It is about networking and socializing. Then if there is passion and a need in a market. They make money together. Moral of the story: It is always personal first then business. Not business first then personal. Establishing relationships are far easier to build and create. So business will end up being more viable long-term. #RaphaelOnochie #VersatileOnochieObayuwana #JayZ #WarrenBuffett #ShawnCarter #TheBlueprint #Business #Business101 #relationship101 #viable #multimillionaire #billionairemindset #billionaire #MoneyMagnet #Money101 #lifegoals #businessgoals #investor #investing #businessattire #commoninterest #socialconstructs #networking #socializing #passion #networking101

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themoneygeeks-blog · 4 years

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Having Multiple streams of Income is no more a Luxury. It's a Necessity..! ♥ 🔹 🔹 Knowledge is Contagious.! Share this post with your Dear ones & spread the Knowledge 💡 ♥ 🔹 🔹 Join the team 🤝 👇🏻👇🏻👇🏻👇🏻👇🏻 Follow me 👉 👉 @themoneygeeks 👈 👈 Follow me 👉 👉 @themoneygeeks 👈 👈 for more! 💸💰💵 🔹 🔹 Pro Tip💡: Turn ON Post Notifications & never miss a post from me..! (Click the 3 Dots on top right corner of any of my posts & Turn ON Post Notifications) 🤝 ♥ 🔹 🔹 ✔️ Double tap if you like this post.. 💟 ✔️ Must Save this Post to see it later 🔖 😊 🔹 🔹 Don't forget to 👉 Like 👍🏻 👉 Comment 💬 👉 Share 🔁 🤗 Support ♥ 🔹 🔹 Connect to my Personal account 👉 👉 @imsuryaofficial 👈 👈 🔹 🔹 Follow me @themoneygeeks & Stay tuned for more cool stuff like this.. I love you all Guys..! ♥ 🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹 #financialknowledge #financialhealth #financialwellbeing #financialtips #financialempowerment #financecoach . #mindsetmotivation #mindsettraining #mindsetmakeover #mindsetgrowth . #getrichquick 🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹 #entrepreneurship101 #business101 #income101 #mindset101 #money101 #wealth101 #millionaire101 #millionairemindframe101 #businessmindset101 #finance101 #passiveincome101 #millionairemind101 #success101 #businessmind101 #entrepreneurlife101 #wealthbuilding101 #sidehustle101 🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹🔹 #themoneygeeks (at New York City , USA) https://www.instagram.com/p/CB26lI6nMvN/?igshid=xs55876anie8

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