刚刚拿到了Westpac Master Card， 和 Westpac Amex。
心有点怕怕，不知道怎么用。
1) Westpac Amex， 虽然积分多，但有些地方有surcharge, 都那些地方呢？
2) 我可不可以用Westpac Amex，在westpac atm 取cash, 这样就避免surcharge
3)我是不是可以每45天，用多少次都行呀？
我的另一张卡，是最多25次每个月
4)也是最小白的问题，积分有啥用呀？
谢谢大家
评论
关于用信用卡到atm拿钱
The Downside of Credit Card Cash Advances
That said, it probably isn’t a smart idea to regularly rely on cash advances from your credit cards. It will cost you, and maybe more than you think. There are several negative aspects to consider, including:
1. Cash advances often are not only subjected to interest, but they generally won’t include any interest free days. For example, the American Express Platinum credit card usually offers users 55 interest free days. Cash advances aren’t eligible.
2. You won’t just start accruing interest immediately with a cash advance, but you may be charged a higher interest rate. The Citibank Clear credit card, for instance, charges a regular 12.49% interest rate on purchases, but a 20.74% interest rate on cash advances.
3. It gets worse. On top of higher, and immediate, interest rates you’ll also likely face transaction fees for every cash advance. Those fees may be a few dollars, or a percentage of the cash advance amount depending on the card and withdrawal amount.
Understand that taking a cash loan against a credit card will cost you more, in one way or another, than using your bank account balance or your credit card directly for purchases. In the case of an emergency, it may be worth it, but it probably isn’t when it comes to your regular spending needs. Consider other options, knowing that a credit card cash advance is available as a (costly) last resort.
积分可以换东西，一般来说换机票是比较值的
[ 本帖最后由 garysu 于 2009-6-12 10:21 编辑 ]
评论
怎么越看越怕怕。
刚把tpg改成可以透支的Master Card, 成吗？
评论
我就害怕忘转钱到visa, 都设置成auto pay
评论
没什么可怕的了.
1. 买东西的时候尽量把AMEX递过去, 人家如果不收就会告诉你. Mastercard哪里都收的, 包括很多华人店, 超过一定金额就可以, 而且没有surcharge
2. 网上付款的时候仔细看看, 页面上都会有说明信息, 告诉你什么卡可以用, 要不要surcharge.
3. 还有在WBC网站从信用卡上BPAY付账单时, 要注意看你账单上付款部分的说明.
4. 我从来不从ATM上从信用卡里面取钱.
评论
用惯了就不怕了。按照Zn7266说的做没错的。
评论
qqyang, 如果你觉得敲数字键麻烦, 你就称呼我ZN好了.
评论
Sorry啊，记错数字了...
评论
7726是俺生日来的, 您一搞错, 我又老了五岁 就叫ZN吧, 叫错了我就当你说别人哪, 哈哈.
评论
只能回答你最后一个问题,我用积分已经换了好几百的gift card了,比如说妈呀,戴维穷死,还有大锤子的.不要白不要啊.
评论
啥?
积分就是换礼品呀, 购物卡之类的. AMEX花一刀积两分, mastercard是积一份, 然后差不多2000分可以换20刀coles/Myer购物卡, 也就是大概1%的返还比例.
评论
他都说了
评论
good good
评论
amex 10月前1块积3分！
评论
LS说的是不同的bank提供的Amex吧？！没收到westpac的amex这样的通知。
评论
我们现在用的这个是krisfllyter westpac 信用卡，同时连接着amex 和 visa. 赚分很快阿
评论
这个Krisfllyter westpac 信用卡是什么东东呀，好像从今年开始，amex就降成1块钱积2分了，所以感觉积的好慢呀，要是买房能刷卡就好了，呵呵。
评论
买车也不给刷，只给刷3000块，不过瘾啊
澳洲中文论坛热点
- 悉尼部份城铁将封闭一年，华人区受影响！只能乘巴士（组图）
- 据《逐日电讯报》报导，从明年年中开始，因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
- 联邦政客们具有多少房产？
- 据本月早些时分报导，绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联