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【一切從慳開始】3個避免遲交卡數的方法

香港人閒閒地都有十張八張信用卡傍身,貪其迎新優惠同各種消費奬賞。但每張信用卡的截數及繳費日都有不同,稍不留神就會忘記找卡數,銀行又可以趁機收取逾期罰款及利息。gini今次就為大家教路,以下3個避免遲交卡數的方法。
 

1. 自動轉帳

幫每一張信用卡啟動自動轉帳還款功能應該是最有效的方法避免遲交卡數,但大前提是你要填妥申請表交去分行,再等2至4個星期完成啟動。若果銀行或商戶計錯數或收錯錢,用戶可能就要花更多的時間去處理。

各大銀行的自動轉賬授權書表格

為了幫大家節省時間,阿睥搜羅了各大銀行的自動轉賬授權書表格,填妥後交回分行,就唔需要再怕唔記得找卡數啦﹗但提提大家,銀行一般需要4-6星期處理客戶的自動轉帳授權指示,交表後記得要親自找第一個月的卡數﹗

2. 截數日提示

每張信用卡的繳費日期都不同,若果於電話或電腦預設提示功能,就可以每月提醒用戶找數,記緊要把提示功能設定於繳費日期的前幾天,萬一又忘記繳交的話都有幾日走盞。
 

3. 更改截數日

信用卡用戶可以更改帳單截數日,若果將所有信用卡都改為同一截數日,又或者出糧日之後, 找卡數就更加方便易記。即刻致電您的銀行查詢,想更快接駁到客戶服務中心,可參考gini為您準備的銀行CS快捷鍵!

其實只要使用得宜兼準時找卡數,信用卡非但不是負擔,更可為你帶來更多消費優惠,立即用GoBear一click比較不同信用卡優惠!

 

作者簡介:

gini是香港首個具有銀行級安全防護的個人理財應用程式。gini可連結不同銀行戶口,讓用戶全面掌握其財務狀況、個人財務分析,同時更妥善管理支出,應用程式的beta版本現可於Apple App Store下載

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