一定要选一个适合自己的银行卡~~~~~~~

markjoe

kiwiibank
第一年免费的visadebitcard

ragejo

楼主估计是asb的银行职员。visa debit卡可以随便刷的，无上限

renfei8420

请问lz计算的按asb的信用卡的收费和返点标准来计算的吗？？？？？

Rubiebabie

chany 发表于 2013-4-19 23:34
我前几天才用ASB的VISA DEBIT刷了一笔850的交易，所以LZ那个限额80刀那个肯定是不对的，至于上限是多少我就 ...

我當時開通的時候ASB說是沒有上限的...就是你帳戶里面有多少就可以刷多少
難道規定改了??

renfei8420 发表于 2013-4-20 17:20
请问lz计算的按asb的信用卡的收费和返点标准来计算的吗？？？？？

是的。
。。。。。。。。。。。

chany 发表于 2013-4-19 23:34
我前几天才用ASB的VISA DEBIT刷了一笔850的交易，所以LZ那个限额80刀那个肯定是不对的，至于上限是多少我就 ...

感谢大家！！！！！！

renfei8420

匿名者 发表于 2013-4-20 19:42
是的。
。。。。。。。。。。。

如果是这样的话，我就不太明白lz是怎么样计算出来你一楼所写的结论。asb visa classic（普通信用卡）年收费24。如果参与积分计划（true rewards），年费是20，一共是44块。返点规则是累计消费150块返一块。

普通信用卡，开通REWARD,年消费满4800新元可抵消年费。（月均消费400新元）。
如果开通积分计划，一年消费应该是满6600块可抵年费啊，44*150=6600，（月均消费550块）

普通信用卡，不开REWARD,年消费满9600新元可抵消年费。（月均消费800新元）。
如果不开通积分计划，无论消费多少都没有返点，信用卡卡费一年24元，不知道lz何来年消费9600块可抵消年费。

平均月消费小于400新元，不办VISA CARD,也不办VISA DEBIT CARD,直接用自己的银行卡最划算。
问题是银行卡不能网上消费，很多网站需要用VISA CARD，或者VISA DEBIT CARD，如果只为了方便：
月均消费小于400新元，办VISA DEBIT CARD,一年白交10新元年费，不享受免息期。
月均消费400新元以上，办VISA CARD，开REWARD划算。可抵消年费。
这段lz说的我基本不反对，只是我们计算的额度不一样。我的额度是消费小于550元，可选择办visa debit或只用银行卡，根据平时消费习惯而定。高于550元，办visa加true rewards划算，年费可用积分相抵。

如果可以承受每年白交10元年费，月消费平均满309.090909， 则可以开通普通信用卡+REWARD。还款期在到期还款日前，拖得越长越划算。
低于月消费309.09，办VISA DEBIT CARD，年费10元不可免。
高于月消费309.09，办VISA CARD，年费可以略低于10元。（相当于）。（开通REWARD)
月消费高于400元， 办VISA CARD普通卡+REWARD，可抵消所有年费。
这段我基本完全没看懂，尤其不明白那309.09是怎么计算出来的。而且感觉与lz上段所得出的结论有点矛盾，刚才还说400元以下用visa debit，这段又说309以下用visa debit。然后309-400，用visa加true rewards可略使年费抵到10元以下。完全没看懂是怎么计算出来的。

总结：7 @5 R9 g2 w3 u
月消费0-309.09新元，办VISA DEBIT CARD. 年费10元+ N8 |- y }% C3 `) I# D
月消费309.09-400新元，办普通visa card+Reward。年费小于10元
月消费400新元+，办普通VISA CARD+Reward.年费可抵消。" D"

我的总结：
月消费550元以下，可根据自己的消费习惯采用以下3种选择：
1.不常上网电话付费，也很少交停车费，可只用银行cashflow card，没有任何额外费用。
2.经常上网电话付费，也会去交停车费，手头钱不紧，用visa debit卡，方便付费，年费10元。
3.经常上网电话付费，也会去交停车费，手头钱小紧，用credit card，方便付费，有额外的钱周转，年费24元。

月消费550元以上，不用说，直接办credit card加true rewards，年费44元，年消费可抵卡费，额外的返点就是赚的。

当然，除非你现在是学生帐户，不然asb还是要根据你的收入来评估是否可以批准你的信用卡，很多人办visa debit也是因为没条件办credit card。

NZyimin_new

What is a daily limit?
When you shop with the “savings” or “cheque” buttons on EFTPOS, or get cash out at an ATM, everything that comes out of your account goes towards your daily limit. Once you’ve reached your daily limit, we block your card until tomorrow. This helps us protect you if someone else gets a hold of your debit card.

In most cases, our normal daily limits are $1,000 for most debit cards, and $2,000 for NAB Gold Visa Debit cards.

We know that these limits can sometimes be a pain when all you want to do is get a hold of more of your own money. There are a few things you can do, though.

Plan ahead by getting cash out early
If you know you’re going to be spending a lot of money on Saturday, and you’re comfortable carrying some of it as cash, visit an ATM on Thursday or Friday and get some money out in advance. That way your withdrawal won’t count towards your daily limit on Saturday.

If you use up your limit on Saturday and still need some extra cash to go out clubbing Saturday night, you can take money out after midnight on Saturday night and this will count towards your Sunday daily limit.

Using a Visa Debit card? Press “credit”
If you press “credit” when you shop with a Visa Debit card, it doesn’t count towards your daily limit. (That’s because the purchase goes through the Visa network, even though you’re spending your own money.)

So if you’re shopping with a Visa Debit card, remember to press “credit” when you’re making your big purchases.

--来自ANB internet banking au

NZyimin_new

Purchases and Payments
How do I pay with a Visa Debit card?
Visa Debit card transactions can be completed in a number of ways: sign your receipt; place an order online or by phone or mail; enter a personal identification number (PIN); or simply swipe your card at select merchants that do not require your signature.

Are there benefits to signing for my Visa Debit card transactions?
When you sign for your purchases, you get security protections that help prevent, detect and resolve fraud. Many rewards programs also require you to sign to collect rewards points. However, if you PIN for your Visa Debit card transactions, you may not receive the same security protections for Visa Debit card transactions not processed by Visa.

How can I sign for my Visa Debit card when there is a PIN pad or terminal?
On many terminals, pressing CREDIT allows you to sign for your transaction. However, other terminals require you to swipe your card without being able to select CREDIT/DEBIT, then prompt you for your PIN. In such cases, either press CANCEL to be able to sign or tell the cashier you want to sign for your transaction.

Why do some merchants not require a signature or PIN for my Visa Debit card transactions?
Many merchants do not require a PIN or signature for Visa Debit card transactions under $25. This helps speed up checkout. Similarly when you shop online or by phone and can’t sign for your purchase, you still receive all the benefits your Visa Debit card provides when you select Visa as your payment option.

Visa Debit card is a debit product, so why is there an option to press CREDIT at the terminal?
When you press CREDIT and sign for a purchase, your transaction is routed through the Visa network. This gives you all the security protections of a Visa transaction. But your Visa Debit card still works like a debit card, not a credit card: The purchase amount is deducted from your checking account and you don't pay interest. See the complete list of security protections.

Do I have to pay a fee or interest when I use my Visa Debit card and press CREDIT?
No, when you press CREDIT for a Visa Debit card transaction, you do not pay a fee or interest. Your Visa Debit card still works like a debit card, not a credit card. The purchase amount is deducted from your checking account. When you press CREDIT and sign for a purchase, your transaction is routed through the Visa network. This gives you all the security protections of a Visa transaction.

Can I get cash back when I use my Visa Debit card?
You can get cash back when you use your Visa Debit card at ATMs and many merchant locations. To get cash back, press DEBIT instead of CREDIT. You will be prompted to enter your PIN and select the amount of cash that you want to complete the transaction.

Where can I use a Visa Debit card?
You can use your Visa Debit card at millions of places worldwide that accept Visa debit cards. They include restaurants (including fast-food and quick-service restaurants), retail stores, grocery stores, dry cleaners, movie theaters, drug stores/pharmacies, gas/service stations and doctors' offices. You can also make purchases online, by mail or over the phone. And you can even pay your bills with your Visa Debit card. When you're traveling, use your Visa Debit card to make purchases — even larger ones, like airline tickets.

Can I pay bills with my Visa Debit card?
Yes, using your Visa Debit card is a fast and easy way to pay your bills. You save time and avoid the hassle of writing checks and paying late fees or missing payments. You can pay for wireless phone service, cable/satellite TV and insurance, and even set up recurring payments. Plus you get all the benefits Visa Debit card provides, including greater convenience, enhanced security and easier record keeping.

NZyimin_new

Security/protection and money management
Does my Visa Debit card have security protections?
Yes, when you sign for your purchases, Visa Debit card’s security protections help prevent, detect and resolve fraud in various ways:

Visa's Zero Liability Policy*, which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to you.
Continuous fraud monitoring to detect suspicious activity on your debit card
Access to Identity Theft Assistance to help you recover your identity and prevent further problems
A 3-digit security code to verify your identity for Internet and phone purchases
What happens if someone steals my Visa Debit card and uses it fraudulently?
If your Visa Debit card is lost or stolen and fraudulent activity occurs, you are protected by Visa's Zero Liability policy.* That means 100 percent protection for you. Whether purchases occur online or off, you pay nothing for fraudulent activity.

If you notice fraudulent activity on your Visa Debit card, promptly contact your financial institution to report it. It is important to continually monitor your monthly statement to identify any unauthorized transactions.

How can I make sure I receive Visa's extra security protections?
Just sign the receipt when you use your Visa Debit card. When you swipe your card, select CREDIT on the keypad and sign the receipt. Or tell the cashier you want to sign for your purchase. You also receive added security protection for online, phone and mail orders, and for transactions under $25 that don’t require your signature.

What else can I do to protect myself from fraud losses?
If your card is lost or stolen, contact your financial institution immediately. This reduces your liability if fraud losses have occurred.

How can I use my Visa Debit card as a money management tool?
With your Visa Debit card, payments are deducted directly from your checking account. Visa Debit card transactions are typically posted within 24 hours of your purchase, which is faster than when writing a check or using ACH/electronic funds transfer (for things like bill pay). You can access your up-to-date balance on your issuers' website or by phone. You also receive a monthly statement with all the details of your purchases, including merchant name, location, date and amount, so it's easy to see where your money goes.

---以上是USA VISA DEBIT CARD

新西兰的责任不清楚。 据有人说是100%卡持有人的责任。 知道的可以上来说明一下。：）

ReachL

楼主分享下金卡。。。好不好?

NZyimin_new

renfei8420 发表于 2013-4-21 16:32
如果是这样的话，我就不太明白lz是怎么样计算出来你一楼所写的结论。asb visa classic（普通信用卡）年收 ...

信用卡还有免息期呢！这是按照标准的一个月免息期算的。如果多延迟还款期，可以适当降低消费额。

以4800计算，利息享受12元，REWARD返还32元。所以44元年费全部抵消了。

NZyimin_new

ReachL 发表于 2013-4-21 22:11
楼主分享下金卡。。。好不好?

拿了金卡的人一般都很有钱 这点小钱就不算了 哈哈~

ASB金卡年费80新元，积分是每消费130元就积分1元。

白金卡年费130元，积分是每消费100元积1分。

NZyimin_new

NZyimin_new 发表于 2013-4-21 22:23
信用卡还有免息期呢！这是按照标准的一个月免息期算的。如果多延迟还款期，可以适当降低消费额。 ...

如果加入利息税17.5%考虑的话，需要2.1元的利息税。不过因为信用卡的还款期限一般都比一个月长，所以这一点就忽略不计了。

winny

NZyimin_new

Credit card cash advance fees
Interest will be charged from the date of the cash advance.  
ASB ATM / FastPhone / FastNet Classic $2.00
Other New Zealand bank ATM $3.00
Teller-assisted $5.00
Overseas (teller or ATM) displaying the Visa or MasterCard logo,
whichever is applicable. $7.50

Credit card service fees
Overseas card delivery Courier service fee
Replacement card $10.00
Statement copy $5.00 per statement
Late payment fee $15.00
Over limit fee $20.00 where the account balance exceeds its approved credit limit by more than 10% in any monthly statement cycle.


With Visa Debit Card, you won't have any "overdraw" ,"cash advance",or "late payment" problem.

renfei8420

NZyimin_new 发表于 2013-4-21 22:23
傻了吧？信用卡还有免息期呢！这是按照标准的一个月免息期算的。如果多延迟还款期，可以适当降低消费额。 ...

好吧，你算的比我细多了，我没把利息考虑进去，所以跟客人讲解的时候也只是提到了会赚点利息。你这利息是按照fast saver的3%来计算的吗？

NZyimin_new

renfei8420 发表于 2013-4-21 22:35
好吧，你算的比我细多了，我没把利息考虑进去，所以跟客人讲解的时候也只是提到了会赚点利息。你这利息是 ...

是的。：）

renfei8420

NZyimin_new 发表于 2013-4-21 22:37
是的。：）

顺便更新一下，fast saver利息刚降，2.75%了。

renfei8420 发表于 2013-4-21 22:35
好吧，你算的比我细多了，我没把利息考虑进去，所以跟客人讲解的时候也只是提到了会赚点利息。你这利息是 ...

不是在ASB工作吧？

那请问一下申请信用卡还要提供资金证明，财产证明吗？海外的也要提供吗？

NZyimin_new

renfei8420 发表于 2013-4-21 22:38
顺便更新一下，fast saver利息刚降，2.75%了。

谢谢啊！：）：）

renfei8420

匿名者 发表于 2013-4-21 22:40
不是在ASB工作吧？

那请问一下申请信用卡还要提供资金证明，财产证明吗？海外的也要提供吗？

是的，我在asb上班。

就像我上个帖子里说的，除非你是学生帐户或毕业帐户，不然银行是需要你提供收入证明才能批给你信用卡的。办信用卡或借贷银行不大看重你有多少钱，而是看重你有多少收入，也就是还款能力。

本地收入直接进asb帐户就最好了，一般当时就能办下来，除非收入太低或支出太高。海外收入比较麻烦，因为审核真实性不很容易，lending那边不好批，一般不愿意帮你花时间折腾。

如果你不差钱又还想用信用卡，就做抵押吧，现在的抵押条件一般是压多少，批多少。比如放个5000块的冻结在你的定期或活期上，给你批个5000的信用卡。不到信用卡取消，钱就一直这么放着，利息照拿但钱就不能动。

我都是強迫自己不用visa！！！！

bibubibu

普通信用卡，不开REWARD,年消费满9600新元可抵消年费。（月均消费800新元
想知道如果不开reward,怎么抵回来年费？

mirror0

Seem it's still better off with ANZ Cash back cards a >8000/pa

玻璃唇

我家信用卡开了2张,一个ASB的白金卡，一个Westpac的，虽然asb信用卡不直接返现金，不过可以在很多商店和超市里使用，100块返1点还是挺划算的。

coldblood

，
。。。。。。。

renfei8420 发表于 2013-4-21 22:55
是的，我在asb上班。

就像我上个帖子里说的，除非你是学生帐户或毕业帐户，不然银行是需要你提供收入证 ...

傻子才办那样的信用卡吧。 押5000，可以透支5000，图什么啊！

还不如办VISA DEBIT CARD。

玻璃唇 发表于 2013-4-22 13:27
我家信用卡开了2张,一个ASB的白金卡，一个Westpac的，虽然asb信用卡不直接返现金，不过可以在很多商店和超市 ...

羊毛出在羊身上，光看见返点了，没看见年费吧！

NZyimin_new

bibubibu 发表于 2013-4-22 09:42
普通信用卡，不开REWARD,年消费满9600新元可抵消年费。（月均消费800新元
想知道如果不开reward,怎么抵回来 ...

所谓的“抵消”，就是指你所受的优惠可以抵消你的付出。

实际年费还是要交的。

每个月均消费800新元，每年的利息得益大概就是24元。所以就等于找回了你的年费。

（最近利息又降了，得需要月均消费872.72727元。适当拖长还款期，可以降低消费额。）