最新數字顯示,金管局今年共收到348宗有關信用卡未經授權交易的投訴,較去年全年多19宗。 渣打國泰卡 金管局表示,根據《銀行營運守則》,若持卡人信用卡賬戶被其他人用作未經授權交易,而持卡人並無作出任何欺詐或嚴重疏忽行為,他們不需為這些未經授權交易承擔責任。 金管局回應本報查詢時稱,該局知悉事件,並已即時與銀行跟進,要求銀行採取有效措施保障客戶利益,加強與客戶溝通,和徹查事故成因。 渣打香港周四晚上表示,就可疑信用卡交易即時實施的監測措施已見顯著成效,問題交易量已大幅下降,事件中僅有1%信用卡賬戶受影響,該行已啟動信用卡退款保障機制,由下星期一起陸續安排退款,預計可於一周內完成。 如果前往零售簽賬,可以透過信用卡終端機刷卡、插卡或非接觸式支付。 如果屬於網購,輸入信用卡號碼及CVC等資料(大部份信用卡再要經過手提電話驗證),便能成功簽賬。
- 而DBS Black World Mastercard迎新則可享高達100,000里,持卡人可自行轉換成Asia Miles、Krisflyer或Avios里數,彈性較大。
- 全新的渣打國泰Mastercard迎新獎賞高達200,000里數,迎新信用卡獎賞更低至HK$0.2/1里數!
- 申請獲批核後,渣打會發信通知你,你就可以於任何港鐵客務中心啟動已更改的自動增值金額。
- 簡單嚟講張綠色卡2個月內簽賬HK$40,000可獲得40,000 Asia Miles係包咗「基本 + 迎新」,而基本部份會於當月的月結單後一星期左右存入國泰戶口,而迎新部份的Asia Miles會係批卡後的5個月內存入國泰戶口。
閣下須緊記當按下連結及於瀏覽器打開新的視窗時,閣下將受所瀏覽之第三方網站的使用條款及私隱政策所約束。 對於昨日市場傳出的最新航空聯名卡優惠,玉山銀行表示對此不便回應,玉山星宇航空聯名卡優惠以下周三(3/1)公告訊息為準。 下周三登場的玉山星宇航空聯名卡記者會,張國煒將親自現身,該卡也勢必將被大眾與長榮航空與國泰世華銀合作發行聯名卡比拚,同時成為玉山銀今年衝刺信用卡流通卡數以及簽帳金額的武器之一。
渣打國泰卡: 美國運通 Explorer™ 信用卡
EPay戶口,直至達到迎新簽賬要求,再由O! 過程中無現金支出,真正做到零成本賺取迎新獎賞。 渣打國泰卡 憑指定渣打信用卡於特定商戶購買旅遊產品可享折扣優惠。
- 在法律允許的範圍內,對任何由於閣下接入連結所引致或產生之損毀及損失,本行概不負責。
- 他稱一般情況下,卡主可申請退款保障,卡主及銀行都不會因此受損失,但仍建議市民可降低信用卡額度,各大銀行亦應借機會檢視防止BIN Attacks的機制。
- 考慮申請產品前,我們建議你查閱產品之官方條款及細則。
- 有關要求指持卡人須於年費誌賬月份的上兩個曆月成為相關戶口客戶,並符合銀行不時指定之每日平均總結餘要求。
- 馬可孛羅會金卡會籍,並且享有私人理財禮賓服務、機場轎車接送、星級餐饗體驗及私人盛會邀請等專屬服務等。
而取消方面,你可致電信用卡中心熱線取消信用卡,或前往銀行分行查詢相關信用卡手續。 滙豐銀行、恒生銀行、花旗銀行、渣打銀行及AEON等大型銀行均要求信用卡申請人持有香港身分證,只有少數銀行可接納例外情況。 不同信用卡都會推出全年優惠,卡主在全港多間商舖消費可享獨享折扣優惠,涵蓋吃喝玩樂各方面。 例如:卡主只需憑卡到多間精選酒店、食肆均可享有優惠,而且於旅遊網站預訂酒店亦有折扣優惠。 但卡主要留意信用卡優惠的限制,如人數和限額等。 渣打國泰卡 信用卡獎賞亦離不開現金回贈、飛行里數、禮品或積分。
渣打國泰卡: 兌換獎勵折扣優惠
現時香港的銀行將信用卡的主卡僅簽發給18歲或以上的人,而信用卡附屬卡的持有人並不限於成年人,如Citibank就接受主卡持卡人為年滿16歲人士申請附屬卡,而不同銀行申請附屬卡的最低年齡限制亦有所不同。 客戶有關之合資格信用卡賬戶必須於存入獎賞時仍為有效及信用狀況良好;否則,本行有權取消有關獎賞。 成功登記之客戶於完成登記後,將獲發一個參考編號。 客戶須保留該編號直至 2023 年 5 月 31 日以作核對之用。 如客戶進行多於一次登記,則以最後一次成功登記資料為準。
已經將渣打亞洲萬里通信用卡加入手機錢包的持卡人可將卡移除再加入,即可見卡面轉換。 渣打國泰萬事達卡-優先理財及渣打國泰萬事達卡-優先私人理財持卡人皆每年皆可以享特定貴賓室使用券,憑券使用國泰航空的商務貴賓室。 優先理財卡每12個月可享4張使用券,而優先私人理財卡則每年享10張使用券。 一共三款的渣打國泰Mastercard®,讓你盡享昇華的旅遊體驗、餐飲禮遇、貴賓室服務及專屬優惠。 渣打國泰卡 你可按自己的旅遊生活品味,選擇適合你的信用卡。 請到本行網站,使用您的商業電話銀行號碼及電子理財私人密碼重新登記渣打網上理財。
渣打國泰卡: 【華盛證券】2月新客開戶送超過 HK$1,600 迎新獎賞!
我們致力為您提供快捷、全面的網上理財體驗,讓您的生活化繁為簡。 渣打網上理財讓您隨時隨地經不同裝置安全地處理您的日常理財需要。 退回年費:除本行銀行協議另有訂明者外,本行概不會在信用卡終止時(不論本行、閣下或任何 附屬卡持卡人提出終止)退回任 何已付年費,即使信用卡在所付年費相關年度完結前終止亦然。 即日起至2023年3月31日,以港元1,000,000/美元100,000 新資金開立6個月「亞洲萬里通」定期存款賺取200,000里數。 退回年費:除本行銀行協議另有 訂明者外,本行概不會在信用卡 終止時(不論本行、閣下或任何 附屬卡持卡人提出終止)退回任 何已付年費,即使信用卡在所付 年費相關年度完結前終止亦然。 即日起至2023年3月31日,以港元200,000/美元20,000 渣打國泰卡 新資金開立6個月「亞洲萬里通」定期存款賺取40,000里數。
最理想的做法是每月準時還清所有信用卡賬單,以免負起額外財務影響。 現時申請信用卡,都會提供年費豁免作為優惠之一,為期一年至五年不等。 一般而言,信用卡級別愈高,信用卡年費自然愈高,由數百元至數千元不等。 其實不少信用卡在到期繳交年費時,都可以致電銀行信用卡服務熱線,向客戶服務專員表明來意,就會代為處理申請信用卡年費豁免 。 全新信用卡客戶於發卡後首2個月內累積之任何合資格簽賬,可獲HKD 渣打國泰卡 500 Apple Store 禮品卡 或 HKTVmall電子購物禮劵,優惠受條款及細則約束。
渣打國泰卡: 條款及細則
國泰顧客關係及零售總經理施愷民稱,是次合作是「國泰」新品牌的頭炮,會將國泰航空、馬可孛羅會及亞洲萬里通匯聚為一,新信用卡可顧客可享最優惠的里數兌換比率。 3張信用卡於國泰或香港快運航空簽帳每消費3元可獲一里數,在食肆、網上或海外簽帳每4元換一里數,其他港元消費簽帳每6元換一里數。 渣打國泰萬事達卡(前渣打Asia Miles萬事達卡)出現大規模盜用簽帳事件,渣打今晚(7日)通知客戶受信用卡退款保障,經核實的非授權信用卡交易,銀行將主動退款 。 德福廣場停車場有租戶則是因收到其他銀行短訊指其戶口被透支逾29萬元,經檢查後,才發現戶口遭MTR CORP LIMITED、經渣打銀行扣數34萬元,同樣是正常租金的100倍。
全新信用卡客戶於2023年2月1日至2月28日期間登記優惠、透過國泰網站成功申請渣打國泰Mastercard並於2023年3月21日或之前獲發出新卡,免簽賬可尊享迎新禮遇 – HKD1,000 國泰信用額,讓你展開旅程! HKD1,000 國泰信用額優惠名額有限,先到先得。 3張渣打國泰Mastercard嘅年費都唔一樣,最基本個張國泰萬事達卡首年免年費,比較高階嘅渣打國泰Mastercard-優先理財及渣打國泰Mastercard-優先私人理財嘅年費分別係HK$4,000及HK$8,000。 不過要你有指定理財戶口及符合資金要求先會豁免到年費。 請到本行網站,使用您的電話理財號卡號碼及電子理財私人密碼或提款卡號碼及自動櫃員機密碼重新登記渣打網上理財。
渣打國泰卡: 渣打銀行
最簡單的當然是去開個渣打出糧戶口搭快易理財;其次是月薪2萬以上開出糧戶口搭Premium理財;或者你本身在渣打做開按揭,再配搭一個Premium理財或優先理財(留意有未償還按揭要求)。 快易理財 $10,000 $0 $0 必須留意,現時渣打Premium理財,即使未到最低總結餘要求,戶口本身亦不會有任何收費,但不收費不代表能免信用卡年費,你還是需要有足夠結餘才能豁免信用卡年費。 【#滙豐信用卡】滙豐EveryMile信用卡! 新客戶迎新獎賞高達$800「獎賞錢」(相等於16,000里) 及首年免年費… 我想問下之前個promotion係可以可以自動延長2020年1月1日前所賺既「亞洲萬里通」里數結餘有效期。 但我頭先Check D miles仲未變新制。
如沒有任何銀行服務,仍可申請渣打國泰Mastercard – 優先理財/ 渣打國泰Mastercard – 優先私人理財,但將不能享有年費豁免。 如您不能於信用卡發卡月份的第一個曆月末或之前符合以下條件,渣打將向您徵收信用卡年費。 渣打國泰萬事達卡共有3款,基本卡年費HK$2,000,首年免年費。 渣打國泰萬事達卡—優先理財卡年費為HK$4,000,而渣打國泰萬事達卡—優先私人理財卡年費HK$8,000,兩卡持卡人只要成為「優先理財」或「優先私人理財卡」客戶並符合有關要求可免首年年費。 有關要求指持卡人須於年費誌賬月份的上兩個曆月成為相關戶口客戶,並符合銀行不時指定之每日平均總結餘要求。 3款新卡包括「渣打國泰Mastercard信用卡」、「渣打國泰Mastercard信用卡 – 優先理財」及「渣打國泰Mastercard信用卡 – 優先私人理財」。
渣打國泰卡: 海外消費里數回贈率
信用卡有多種還款方法,可於到期日前透過網上、親臨銀行專櫃、提款機、PPS繳費靈、支票甚至到DHL速遞中心還款,而信用卡逾期還款需向銀行繳交額外費用。 信用卡公司每年均與不同類型商戶聯合推出優惠,範圍包括餐飲、旅遊、消閒等。 如以恒生enJoy卡逢每月1及20號於萬寧購物,可享95折優惠;憑Visa Signature信用卡於指定餐廳如Cafe Marco、Three On Canton等任選2客自助餐,同行兒童即可免費用餐。 高達600,000美國運通積分獎賞 (相等於HK$2,000現金券/抵銷簽帳或40,000飛行里數)。 渣打持卡人可到任何渣打分行辦理或經渣打網站即時申請或下載申請表格,更改自動增值金額。
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” 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我想問下之前個promotion係可以可以自動延長2020年1月1日前所賺既「亞洲萬里通」里數結餘有效期。 但我頭先Check D miles仲未變新制。 我6個月內無持有任何渣打信用卡,應該算合資格客戶。 Apple gift card個度已經登記左。
渣打國泰卡: 信用卡海外簽賬
但留意返雖然無最低結餘要求,但渣打可以隨時降grade返你做Easy Banking咁變相未必符合到信用卡條款上既免年費要求。 附屬卡英文為Supplementary Card,是指主卡的持卡人為自己的父母、配偶、子女或親友申請的信用卡。 兩張卡可以同時使用,並共享信用額,而還款方式根據銀行規定或客戶需求會有所不同,但主卡人需要對主卡和附屬卡的全部債務/簽賬承擔責任。 例如,爸爸申請信用卡後,可為年滿16歲的女兒申請一張附屬卡。
持卡人於上一個年度內(即由信用卡發卡日期之週年日起)為 符 合 有 關『最 低 總 結 餘 要 渣打國泰卡 求 之「 優 先 理 財 」客 戶 /「 P r e m i u m 理 財 」 客戶』或出糧戶口客戶即可享年費豁免。 啱啱2021年張渣打Simply Cash卡被收取年費,當我打返電話去渣打到申請返免年費果陣發現呢加渣打係App到加入咗新功能,無需要打去係App到申請就即時知道結果。 新加入呢個攻能又幾好,打電話去既時間都可以慳返。 如果免年費個動作都懶得做,其實渣打Smart卡係永久免年費添,連呢個動作都唔洗做,迎新都係咁多張渣打卡入面最大份,有HK$2,200現金回贈,要申請渣打信用卡的話拎呢張先都抵玩。 現時香港的銀行將信用卡的主卡僅簽發給18歲或以上的人,而信用卡附屬卡的持有人並不限於成年人,如Citibank就接受主卡持卡人為年滿16歲人士申請附屬卡,而不同銀行申請附屬卡的最低年齡限制亦有所不同。 客戶有關之合資格信用卡賬戶必須於存入獎賞時仍為有效及信用狀況良好;否則,本行有權取消有關獎賞。
渣打國泰卡: 信用卡獎賞
所以挑到一個好的理專有時候比挑哪家銀行更重要,當然自己最好具備基本的投資理財知識,才有辦法辨別理專的專業度。 中信創富家的門檻相當低只要50萬,但相對的幾乎沒有什麼優惠,想要享受更好的財富管理優惠,建議要申請更高等級(300萬)以上。 國泰世華在全省有165家分行,近900位理專,在服務的廣度跟深度上具有優勢。
渣打國泰卡: 里數信用卡2022|5大儲里數信用卡比拼 渣打/滙豐/AE/DBS 迎新送60,000 Asia Miles|附優惠+年薪要求
信用卡不僅僅是一張塑膠卡,實際上是你付款時從金融機構(FI)或銀行借貸,亦即老一輩人所講「先洗未來錢」。 雖然信用卡簽賬被視為貸款的其中一種,但它們與大多數銀行貸款的不同之處在於它們的金額要小得多,而且必須在短得多的時間內償還。 可以,不過你亦須留意,同時申請多張信用卡,或會影響你的信貸評分,增加未來借貸困難,即使成功批核信用卡,信用卡的信用額亦會有所影響。 審批信用卡速度按信用卡類型、申請資格、信貸記錄及文件而定,每間銀行的核卡速度不一,但一般而言,提交信用卡申請後,約7至10工作天內便可取得信用卡。 如想盡快獲得信用卡批核,應交遞所有信用卡所需文件及正確填寫表格。
渣打國泰卡: 兌換獎勵折扣優惠
大部份的附屬卡都可以共享主卡的福利,例如免費使用機場貴賓室、享有旅遊保險、酒店會籍及餐飲或消費優惠等。 而附屬卡的消費簽賬、積分、里數或回贈都和主卡一樣,可存入主卡信用卡賬戶內。 香港信用卡主要分為5個種類,目前以Visa及Mastercard佔最多數,其次為美國運通(American Express)、銀聯(UnionPay)及JCB。 Visa及Mastercard均是歷史較久的發卡組織,其信用卡全球均可使用,美國運通信用卡亦可以於世界各地超過130多個國家使用。
