Wednesday, October 31, 2012

信用卡利息密密加


正值旅遊淡季,禤中怡趁價錢平出外走一轉,自然找相熟銀行幫手,兌換外幣使用。光顧開的銀行人客一向有限,可以輕鬆處理,未知是否沒有排隊人龍,銀行職員突然推銷信用卡,即使已擁有一張該行的信用卡,竟追問其他類別,那種鍥而不捨的態度一下子不懂得推卻,還拿著那張超市禮券離開時,查詢萬一不獲批核的話,豈不是白送了一張禮券?怎知該員工笑著答:「最多喺你現有那張撥出部分信貸限額往新卡!」

聽到這番話,立時想到,銀行的確增發了一張新信用卡,可惜客戶人數和信貸限額並無增加,唯一可憧憬的是,客戶付費時,會從中使用其信用卡,兼且有信貸機會!

不過,今天卡多已不是身份象徵,更可能為應付卡冚卡的惡夢,最近東亞銀行(023)正推廣,客戶將其他銀行的信用卡、私人和循環貸款結餘轉往其信用卡,可以獲得現金回贈,如果每間銀行也採取這種計劃,那份回贈料頗和味。當然,如果無法如期還款,銀行便可賺多點利息了。

除強積金半自由行實施外,在明日開始,大笨象和美國運通也更改信用卡部分條款,其中前者更改最低付款額計算方法,由結單結欠減過期款項或信用限額的3%兩者作比較,需還較低一方的金額,更改為計當月所有費用、結單結欠的1%及過期款項等。

假設當月沒有簽卡及過期款項,並只有結欠12,000元,那麼舊方法的最低付款額為360元,而新方法便只需付120元,究竟是益了客戶,還是利息要再計清楚,會否因此而增多呢?

美國運通的舊收費表於5月才生效,半年後又改,其中財務費用方面,零售交易和現金交易實際年息已分別上調高達2.6厘及3厘,至34.49厘和36.62厘!

這還不特止,該銀行一項名為「運通財」服務手續費,最低收費由75元加至100元,增幅竟然高達33%,而逾期付款費用最低及最高金額方面,亦分別大幅調升38%及25%,至180與250元,增幅絕對跑贏通脹,甚至股市。

至於7月才出新收費表的東亞也不遑多讓,預早通知由12月22日起,如果連續兩個月無法還「MIN PAY」,即最低付款額,財務費用的利息將會進一步提升,以現金透支計,實際年息加0.62厘,至42.38厘!

銀行樂於用所謂單位數百分比水平的息率吸客,再轉借予其他信用卡客戶,的確可提升利息收入,加上收取不同費用,非利息收入亦高漲。面對銀包又多一張信用卡,禤中怡也要想一想,是否為了貪那張超市禮券而因小失大。

(10月31日刊於《am730》)

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