咨询办理新加坡信用卡的信息,怎样合算

skytower

本人想办理新加坡信用卡,但不明白具体情况:(市场上信用卡太多了) 1\如果常规的使用,吃吃饭\买买东西\出国使用\办理那个银行比较合算; 2\是否有年费,约多少,哪个银行合算; 3\怎么还钱给银行,多久还; 4\在国外消费,是否会多收什么手续费; 还有什么其他注意事项,请指教

antegg

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">各大银行的卡各有千秋</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">个人以为</span><font face="Times New Roman">UOB</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">的优惠比较多</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">积分奖励也不错</span><font face="Times New Roman">.</font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font face="Times New Roman">CITIBANK</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">的品牌和服务都好</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">但是优惠及积分奖励不如</span><font face="Times New Roman">UOB.</font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><p><font face="Times New Roman">&nbsp;</font></p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">一般的新卡申请至少首年年费可免</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">有些可免首</span><font face="Times New Roman">3</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年年费</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年费通常依不同级别的卡种有上下</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">比如</span><font face="Times New Roman">PLATINUM</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">就会比普通卡高</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">但是由于竞争激烈</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">如常用卡的话</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">可以要求</span><font face="Times New Roman">waive</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年费</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">多半可以成功</span><font face="Times New Roman">.</font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><p><font face="Times New Roman">&nbsp;</font></p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">还钱可以通过支票</span><font face="Times New Roman">,</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">银行的</span><font face="Times New Roman">ATM</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">转载或自动存款机</span><font face="Times New Roman">,</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">网上银行转帐</span><font face="Times New Roman">,</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">或</span><font face="Times New Roman">AXS station</font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><p><font face="Times New Roman">&nbsp;</font></p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">国外消费照</span><font face="Times New Roman">VISA</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">或</span><font face="Times New Roman">MasterCard</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">的汇率转换另外可能有</span><font face="Times New Roman">2%</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">左右的银行手续费</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">这我记不清楚</span><font face="Times New Roman">.CREDIT TERM </font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">通常</span><font face="Times New Roman">UP TO 55</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">天</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">及在收到月结单的</span><font face="Times New Roman">25</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">天内还款</span><font face="Times New Roman">.</font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><p><font face="Times New Roman">&nbsp;</font></p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">另外提一句</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">中国银行</span><font face="Times New Roman">BOC</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">也有发行信用卡</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">最近还推出了</span><font face="Times New Roman">2008</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">奥运会的卡</span><font face="Times New Roman">(</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">免首</span><font face="Times New Roman">3</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年年费附赠纪念品</span><font face="Times New Roman">).</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">不过平心而论</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">论服务</span><font face="Times New Roman">,</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">优惠及方便性</span><font face="Times New Roman">.BOC</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">无法和其他银行相提并论</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">仍有很大差距</span><font face="Times New Roman">..</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">所以不太实用</span><font face="Times New Roman">.</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">如果</span><font face="Times New Roman">LZ</font><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">支持国货倒亦可考虑</span></p>

loverebecca

想请问，年收入需多少才可以申请信用卡？

antegg

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">通常至少是</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">S$30K<p></p></font></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">不过有些卡只要</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">S$18K,</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">比如</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">POSB</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">的</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><p></p></span></p>

kaixin666

<p>最好申请免收年费的，UOB不错，还可以换取礼券什么的。。</p>

loverebecca

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>antegg</i>在2006-11-12 13:04:00的发言：</b><br/><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">通常至少是</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">S$30K<p></p></font></span></p><p></p><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">不过有些卡只要</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">S$18K,</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">比如</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">POSB</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US;">的</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><p></p></span></p><p></p><p></p></div><p>申请POSB卡年费多少？</p>

antegg

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>loverebecca</i>在2006-11-12 22:32:00的发言：</b><br/><p>申请POSB卡年费多少？</p></div><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font size="3"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">可能只要二三十吧</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">.</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">首三年还是五年免年费</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">.<p></p></font></span></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font size="3"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">记得以前</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">S$18K</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">就可以申请</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">.</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">现在不肯定</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">.<p></p></font></span></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><font size="3"><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">不过个人不太喜欢</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">POSB.</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">就是觉得品牌不够好</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">.</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">我很看重</span><span lang="EN-US" style="mso-ansi-language: EN-US;"><font face="Times New Roman">Brand Image</font></span><span lang="ZH-CN" style="FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-ansi-language: EN-US; mso-hansi-font-family: &quot;Times New Roman&quot;;">的</span></font><span lang="EN-US" style="mso-ansi-language: EN-US;"><p></p></span></p><p></p>

zqalj86

<p>1\如果常规的使用,吃吃饭\买买东西\出国使用\办理那个银行比较合算;</p><p>。。要只是这些用途的话。。办一张DebitCard就足够了。。。除了不能透支。其他的功能和信用卡完全一样。。。</p>

loverebecca

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>zqalj86</i>在2006-11-13 11:53:00的发言：</b><br/><p>1\如果常规的使用,吃吃饭\买买东西\出国使用\办理那个银行比较合算;</p><p>。。要只是这些用途的话。。办一张DebitCard就足够了。。。除了不能透支。其他的功能和信用卡完全一样。。。</p></div><p></p>[em01][em01] 果然是当领导的，高见高见[em05]