Citibank Credit Card "Dial a check" program

[匿名]

2007-03-29 6:37 am

I owed citibank credit card around 12K and I have 22K credit limit. While I called the customer service, the guy told me I can join "dial a check" program that I can get a check around 9K that is my remaining credit amount. Thus, according to him, I can enjoy a better int rate with 0.49%.

Anything heard programs like that? And If I join, that means I borrow a loan from the bank, would it lower my credit score? Thanks so much, hope you folks can help me out. Super thanks.

回答 (1)

2007-03-29 10:56 am

✔ 最佳答案

這是個分期付款的計劃，適合難於一、兩個月內還清款項，又唔想挨貴息、又想一筆清嘅人，因為銀行又可以靠利息賺錢，客戶又可以盡快找清卡數，所以都幾受歡迎。不過到你每個月要還嘅時候，又或者當你計下你比咗嘅利息果陣(月平息0.49%是貴的，不過你借得唔多就算係咁，仲之利息相等於本金嘅15%就差不多)，都唔好話唔肉痛。以我過來人嘅經驗，非不得意都係盡量唔好大使，唔係習慣咗先使未來$就好難搞。不過，話說回來，人生係難測嘅，如果趁依家唔係欠太多$就要「的」起心肝還清，最少唔好再積累更多。

參考: 自己經驗

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