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【Freshman要留意】大學生出卡四大注意事項

由O Day到O Camp再到開學日,相信各位大學新鮮人都一定會碰上不少銀行推廣人員,以精美禮物或優惠來鼓勵大家填表申請信用卡。近年信用卡的迎新優惠多元化,但開卡容易cut卡難,想做個精明出卡者,就記出卡前注意以下四大事項。

1. 了解各信用卡積分優惠

信用卡迎新優惠故然吸引,但更重要認清自己需要和了解每張信用卡的積分計劃,切忌有優惠就開卡。

每張信用卡的積分計算方法不同,有信用卡主打網購優惠,消費者只需要在網上消費,便能獲得多倍積分,如Citi Clear Student Card,每次網上簽賬便可獲得2%回贈。

另外,有信用卡主打進修及學習範疇,如預計修讀課程或升學會投放大額金錢,用該信用卡消費便能受惠,如恒生大專聯營信用卡在書店購物、報讀本地及海外各大院校舉辦的課程便獲得5倍積分。而用滙豐滙財金卡 – 學生卡網上交學費,就可享2.4%「獎賞錢」回贈。

有個別信用卡會主打飛行里數優惠,如DBS COMPASS VISA大專生信用卡,便可用Compass Dollar換取「亞洲萬里通」里數,最適合Sem Break想去旅行的同學。

2. 年費可豁免

一般信用卡會提供豁免年費一年,但這些專為大專生而設的信用卡,一般都可永久免年費,會自動豁免其後每一年的年費。如果發現信用卡被徵收年費,大家記得致電客戶服務部申請豁免。

3. 切忌只還Min Pay

金管局今年八月信用卡調查顯示,今年第二季拖欠卡數額達二億七千九百萬。拖欠卡數導致的最後欠款額以倍數起計,還會影響個人信貸紀錄,跌入長期欠款的危機。

因此各位申請信用卡時,記得持有正確理財觀念,避免「先使未來錢」,預先提取現金以致衍生利息,還款時亦必須根據月結單日期準時過數,千萬不要只繳交最低還款額,以避免餘下的欠款被徵費及累積下去。

4. 小心「Cut卡」條款

信用卡迎新禮物及優惠吸引,但不要以為拎盡著數後便可即時取消信用卡走人。信用卡一般都有條款寫明,成功申請信用卡後若干日子內不能取消(一般在十二個月後才能免費取消),否則要繳付行政費,而且「Cut卡」後有機會影響個人信貸評級,所以千萬不要貪迎新禮物便胡亂出卡,申請信用卡前一定要好好比較,找出最適合自己的信用卡。

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