Friday, March 09, 2007

信用卡鬧雙胞胎

購物時打開銀包,很自然會拿出信用卡付款,禤中怡是怕麻煩的人,每每遇上銀行信用卡推銷員電話時,都會受不了對方的苦纏而被成功游說出卡,久而久之,銀包中的信用卡累積達十多張,直至最近,太太因被不同的銀行帳單煩得不可開交,才命令我取消部分不常用的信用卡。

正當檢視每張信用卡時,禤中怡發現一些有趣的情況,可與讀者分享。

從正常邏輯出發,每家銀行都是獨立運作的商業個體,運作上自自然然是各有不同之處,但翻看銀包裡的信用卡時,赫然發現東亞銀行(023) 與中銀香港(2388) 的信用卡設計,相似度竟然達到九成。禤中怡拿著兩張信用卡作比對,兩張信用卡中間一行銀色英文名稱“VISA Platinum”,除了字母大小相同外,連字款設計也差不多一式一樣。兩張卡的不同之處,大概只有銀行的名稱及卡的顏色深淺度罷了。

禤中怡最初以為是由於兩家銀行都是共用銀通(Jetco) 網絡,故用上相同設計,但後來看看渣打及永亨的白金卡設計,卻各自各精彩,證明禤中怡「諗錯隔籬」。另外,禤中怡近日發覺,太太無論走進任何消費場所(不論食肆、百貨公司、時裝店等) ,在找數時,並不會拿定信用卡在手,反而每次的指定動作是問收銀員那張信用卡有簽帳優惠,才施施然拿出有著數的信用卡找數,話說上星期,禤中怡與太太到太古城UA睇戲,正當我想以現金付款時,突然被太太喝停,並即時大聲的問售票員有沒有信用卡優惠,最慘原來「東亞」信用卡真的有九折,禤中怡看著太太嚴厲的目光,便惟有識趣的拿出信用卡找數,才幸免於「鬧」。

金管局資料顯示,去年底本港共有1,093.7萬個信用卡帳戶,分別較05年同期升8.3%,以全港700萬人口計,即每名港人平均擁有約1.56張信用卡,但扣除兒童等數目,人均兩三張絕不為過。目前本港最大發卡機構當然是滙豐銀行,發卡量440萬張,市場佔有率達40%。

陳南祿更上一層樓
中港兩地融合,英國殖民地色彩退卻速度之快令人咋舌,現在連英資企業也部署由華人接替洋人擔任最高職位。太古(019)公布7月1日起,國泰航空(293)兼太古董事陳南祿將出任新職,負責太古在內地整體投資策略,擔任太古(中國) 主席,及加入太古地產和太古飲料董事局。的確是一個有趣日子,選擇在香港回歸中國10周年大日子正式執行人事變動,別具意義,未知是否刻意安排,但Philip(陳南祿的英文名)這位於1977年已加入太古集團的老臣子,工作將近30年之際,再度肩負另一項艱巨任務,將帶領太古走向內地市場。在太古董事局內只有Philip和何祖英是華人,後者今年已屆58歲,距離退休日子不遠,相反Philip才50歲,絕對有魄力應付新挑戰。如由華人擔任主席,「阿爺」自然樂於打交道,如Philip做出成績來,怎不可以更上一層樓呢?

(3月9日刊於《am730》)

12 Comments:

At 9:59 PM, Anonymous Anonymous said...

其實除了東亞銀行﹑中銀信用卡外,其他銀行之信用卡亦採用同一設計的VISA白金卡卡面設計,因為該設計是由VISA International在最初推出VISA白金卡時,交給全球所有金融機構的VISA白金卡樣式。

其他銀行,如:上海商業銀行﹑創興銀行(前名:廖創與銀行)等亦使用同一VISA白金卡設計。

謹在此以正視聽。

 
At 12:08 AM, Anonymous 阿文 said...

禤先生:

你好,小弟拜讀閣下的文章已有數月,你獨到的市場分析和敏銳的觸角,實在令人佩服。

本人正修讀MBA,並正準備一篇有關信用卡的畢業論文。你上文中提到金管局提供有關信用卡市場佔有率的資料,小弟甚感興趣,但到金管局尋找有關資料時,卻未有發現,請問可否提供有關網址或資料來源?

本人電郵為: ahyiman@hotmail.com

謝謝,感激!

 
At 11:11 PM, Blogger 禤中怡 said...

阿文兄:

金管局確可找到信用卡貸款情況,網址為http://www.info.gov.hk/hkma/chi/press/index.htm,至於滙豐的發卡量則於業績報告內披露,希望可以助你撰寫論文。

 
At 10:28 PM, Anonymous 阿文 said...

got it!!!謝過!!!

 
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