查看完整版本: 八張分期卡比「長短」 安泰12期零利率奪勝

八張分期卡比「長短」 安泰12期零利率奪勝

<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　面對即將來臨的母親節，百貨業者陸續端出崩盤明星商品，吸引許多民眾大肆血拼，展現「禮」數盡孝心！不過，當面臨高額的消費支出時，民眾可善用銀行發行的分期信用卡重新規畫財務，減輕付款壓力。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　目前市面上發行的分期卡，大致包含大眾銀行分享卡、中國信託</span><span lang="EN-US">iplan</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">卡、新光銀行分期</span><span lang="EN-US">7</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">卡、第一銀行由你分期卡、渣打銀行</span><span lang="EN-US">The Shopping Card</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">分期卡、永旺分期卡、聯邦銀行分期便利卡，以及近日剛發行的安泰銀行分期卡等，主要提供</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">至</span><span lang="EN-US">12</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期不等的零利率、免手續費優惠。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　原本大眾銀行分享卡適用零利率、免手續費的分期數最長，凡於指定地點購物達自訂的分期金額，最高可拆成</span><span lang="EN-US">8</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期付款。不過最近「</span><span lang="EN-US">8</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">」字已被安泰銀行超越，持安泰分期卡不限地點消費，均可享有</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、</span><span lang="EN-US">6</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、</span><span lang="EN-US">12</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期零利率、免手續費的優惠，最長可分到</span><span lang="EN-US">12</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期，刷新業界紀錄。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　雖然落居「老二」的大眾銀行分享卡，在國外或指定商店消費，還提供</span><span lang="EN-US">12</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、</span><span lang="EN-US">18</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、</span><span lang="EN-US">24</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">等的分期選擇，只是自第</span><span lang="EN-US">9</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期起，將收取消費金額乘以</span><span lang="EN-US">1%</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">的手續費用；假設卡友並非於指定商店購物，則最高僅可享</span><span lang="EN-US">4</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期零利率，第</span><span lang="EN-US">5</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期就須加收手續費。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　緊跟在後的新光銀行分期</span><span lang="EN-US">7</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">卡，只得下降名次委屈當「小三」。假設卡友未設定自動分期最低金額，當消費額度達系統設定的單筆</span><span lang="EN-US">777</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元門檻，將自動分成</span><span lang="EN-US">7</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期零利率，但單筆刷卡金額上限為</span><span lang="EN-US">20</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">萬元，且無法累計新光銀行的紅利積點、兌換贈品。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　中國信託</span><span lang="EN-US">iplan</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">卡、永旺分期卡、渣打銀行</span><span lang="EN-US">TheShoppingCard</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">分期卡與第一銀行由你分期卡，均提供</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期分期零利率。其中持中國信託</span><span lang="EN-US">iplan</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">卡於特約商店消費，零利率期數再延長至</span><span lang="EN-US">6</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期；永旺分期卡、渣打銀行</span><span lang="EN-US">TheShoppingCard</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">分期卡的</span><span lang="EN-US">3</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期零利率好康，則限單筆刷滿</span><span lang="EN-US">3,000</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元適用。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　分期卡固然可減輕資金壓力，但仍得留意分期卡超出零利率期數的手續費，若是換算成年百分率時，多半超過</span><span lang="EN-US">10%</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">以上，</span><span lang="EN-US">24</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">期甚至達</span><span lang="EN-US">18.58%</span><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">，也是一筆不輕的開銷。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">　　專家提醒，使用分期卡的分期數，須視自身經濟狀況而定，過短將無法達到減緩壓力的效果，過長則會陷入長期還款的深淵，易對未來其他支出計畫造成影響。同時千萬不要小看分期小額付款，若過度消費衍生過多的分期交易，仍會積壓成每月的還款負擔，恐得到反效果。</span></p>
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<p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">各銀行分期信用卡比較，如下表：</span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><br></span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><img src="http://www.cardu.com.tw/imgupload/201204301508552.jpg" border="0"><br></span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><br></span></p><p class="T15" style="MARGIN: 0cm 0cm 0pt"><span style="FONT-FAMILY: 新細明體; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">From:&nbsp;<a href="http://www.cardu.com.tw/news/detail.htm?nt_pk=4&amp;ns_pk=15999" target="_blank">Cardu</a></span></p>