今天去TD，给了我一张高额信用卡，什么意思？？

[游客]

今天去存钱，teller告诉我，说可以给我一张高达9500$ credit的信用卡，是rebate and reward卡。前面的3000加币是0.5% rebate，以后是1%。没有annual fee.

我再三问了，no extra expenses。

这是啥意思？？有什么陷阱么？？:wdb16::wdb16:

[bruceyag]

今天去存钱，teller告诉我，说可以给我一张高达9500$ credit的信用卡，是rebate and reward卡。前面的3000加币是0.5% rebate，以后是1%。没有annual fee.

我再三问了，no extra expenses。

这是啥意思？？有什么陷阱么？？:wdb16::wdb16:
没啥陷阱. 挺好的卡, 不过TD喜欢强加一个insurance给信用卡账户,要经常检查Online的账单, 一旦发现立刻取消就是了.

[cgdOO7]

不知道，帮顶

[yang91]

我们也有,没啥陷阱.我们平时都不用,我们集中用一张年终有返还的.

[tomgod]

我还是喜欢CIBC的卡，１％返还，多少都一样。

[传说中的鸟人]

我们集中用一张年终有返还的.
?%

[游客]

长时间是一个银行客户就会建立信用，就容易获得该银行的产品。

[yang91]

?%
我家是枫叶的卡,根据消费数额年终返给现金,所以我们每次都划这一张卡,返还率要问我家LD,我不记这事.

[crispwolf]

没问题，我LP也是去TD办事，结果给了一张同样的卡，将近20000额度的，开始没注意以为1000多呢，后来一看，比我的额度还高多了，晕

[yang91]

没问题，我LP也是去TD办事，结果给了一张同样的卡，将近20000额度的，开始没注意以为2000呢，后来一看，比我的额度还高，晕
千万不要弄丢了,额度高谁捡了都可以划.

[留老根]

额度高未必是好事,尤其是针对贷款客户,信用卡额度是算在你的贷款额度内的,如果想贷款30万,你有2万信用卡额度,那么会减掉2万,当然还有其他乱七八糟的额度控制.

[姗姗来迟]

希望楼主多消费给银行挣钱。

[wlh75]

谢谢!

[BEN2006]

WOW,

How can I get a credit card, without authenticating them to query my credit report.

It should be just pre-offer, no guarantee.

Othewise , it's really wired, make nosense, and even illegal.

[游客]

WOW,

How can I get a credit card, without authenticating them to query my credit report.

It should be just pre-offer, no guarantee.

Othewise , it's really wired, make nosense, and even illegal.
如果在银行的信用好，给信用卡是银行的事，根本不用查什么信用记录，你在银行的帐户就是信用记录。

[BEN2006]

如果在银行的信用好，给信用卡是银行的事。

lamjin, please believe me:

You almost can not get any unsecured money or loan from bank without the credit check.

The big bank have their own credit rate, it's true. But this credit rate will also refer the your public credit report. Each time you borrow , they will check it again, that's for sure.

they can check your report , only you authenticed them.

the bank often did some dirty trick, offer your some credit card, try to get you apply it, if your credit rate are not satifiy with this offer, then turn you down, leave your worse credit rate.

An unsecured loan with no credit check is near impossible to find unless you look at the fast loans options offered throughout the web or Payday loan.

[游客]

LZ 不是这种情况，已经认为她合格了，这是100%批给她。

[BEN2006]

My point is :

If Lilian got that card, it is because she authenticed the bank to go through credit check, and her credit rate satifiy with this offer.

that's it.

[小马哥]

今天去存钱，teller告诉我，说可以给我一张高达9500$ credit的信用卡，是rebate and reward卡。前面的3000加币是0.5% rebate，以后是1%。没有annual fee.

我再三问了，no extra expenses。

这是啥意思？？有什么陷阱么？？:wdb16::wdb16:
因为你太能消费了，所以给个能高消费的卡，应该让SAM好好管管你这败家老娘们。:wdb23:

[haili98]

批评的好！