比利討論區

信貸,現金卡,代償討論區 - 你好~本身是花X銀行代償部業務主任,有任何代償相關問題都可以討

小威0927610107 - 2006-10-10, 04:21
文章主題: 你好~本身是花X銀行代償部業務主任,有任何代償相關問題都可以討
  我可以幫忙的? Razz
Anonymous - 2006-11-09, 11:14
文章主題: 請問~~
我在花旗有用信用卡 不過沒有使用循環利息
現在我想代償其他家的信用卡及現金卡 金額大約15萬
不知道有沒有辦法作代償

小威0927610107 - 2006-11-09, 22:21
文章主題:
可以的目前花旗如果卡片是沒有循還的是可以代償的∼∼∼
 
A.1-6個月0% 手續費499元繳六個月
B.1-6個月0% 7-12個月11.88% 手續費499元繳十二個月 30萬
瑞緋 - 2007-03-27, 03:38
文章主題:
您好
我目前身份為學生
是退伍後工作半年才重讀的
打算代償一張信用卡、一張現金卡(當兵那段期間辦的)
總共八萬多 信用卡四萬多 現金卡三萬多
每個月還款情況皆正常(現金卡沒帳單 信用卡我用電子帳單)
目前在唸書所以只有晚上稍微打個工(大概五千 生活費是之前存的錢)
所以沒辦法很快還清
因此想說辦代償來節省利息費用
請問我這樣能夠申請嗎?
小威0927610107 - 2007-03-27, 21:33
文章主題:
瑞緋您好:
  其實目前銀行的代償專案都會有"手續費"和"綁約"的問題,
你目前如果申辦代償是沒有辦法二張卡的合併的(代償金額是看你的
信用卡額度去做小符度調整)。而且各銀行的"總手續費"和你的利
息其實差不多。不需要申辦。
  目前你最好的方式,就是先去結現金卡信用卡繳最低,一張一張
來就是最好的方式了。(不能在增加你的消費了喔)
    有任何代償貸款的問題都可以來電或發問喔     小威

  
瑞緋 - 2007-03-27, 22:44
文章主題:
多謝回答阿
我之前算起來兩張加起來的利息比手續費高才想說要辦
結果只能還一張喔
那就自己慢慢還吧
那兩張卡現在沒在用了 卡片也都收起來拉 呵呵
再次感謝您的回答喔^^
money_zero - 2007-05-01, 17:29
文章主題:
請問,若是被停卡(該卡已用一年半了,額度10萬,刷了6萬),那還可以辨代償嗎~
謝謝
小威0927610107 - 2007-05-02, 23:59
文章主題:
money_zero 寫到:
請問,若是被停卡(該卡已用一年半了,額度10萬,刷了6萬),那還可以辨代償嗎~
謝謝
  ZERO您好丫∼不知道您的信用卡是被強停還是內部控卡。
假設是內部控卡是可以代償的。如果是強制停卡就不能囉。

怎麼分辨?
1。如果是強停,你所有的信用卡都不能使用了。
2。如果是內部控卡,可能是一二張信用卡不能用而已。
                          小威∼
*冷冷* - 2008-02-01, 23:21
文章主題: 請問!!
我目前信金卡+信用卡有差不多70萬我想辦理代償可以嗎?本身是自營商沒薪資證明這樣可以辦嗎?我的情形可以辦理2家代償嗎?我本身還有房貸跟車貸這樣辦的過嗎?如我辦理代償可以建議我要用啥方案好呢?最近有一張卡被停了.其它別卡皆可用這樣還可以辦理嗎?
梨花 - 2011-07-09, 13:55
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