Sunday, July 31, 2016

收入不够,就不能申请好卡了吗?(下)

在上篇里我说到了收入不够也可以去申请好卡的理由,但是这时候就有人问了:某些卡是有硬性收入规定的,这种情况怎么破?


首先,对于PR和公民而言,很多卡的申请会容易很多,甚至可能硬性的收入规定都不存在。比如本人持有的运通白金卡,收入要求其实是4万刀年收入起,可是我的年收入。。。上税的还不到五位数字。不过没什么关系,填申请的时候你就算把收入放个卫星也不会被查的。我申请白金卡的时候收入填的是7.5万,但是秒过。银行毕竟不是CRA,他真正重视的是赚钱而不是申请者收入和缴纳的税款。更直白的说,他们只在意你还不还款。所以,你就算在收入上放点卫星也没什么关系,只要别太夸张了(收入2000,填20万难保不出问题嘛。。。)。

以上所说的针对PR。。。等等同学,你先把菜刀放下,就算你不是PR也不代表就没有机会。在不是PR的前提下,有个相对简单的办法就是去银行“搬砖”,a.k.a. 存大额的款,然后和客户经理谈心。个人认为在此类情况中,和客户经理谈心是首要,存款反而可以在其次。还是以我为例,这个应该和PR身份没什么关系:我想把我在RBC的低等级Visa转成Visa白金卡,但是转白金卡要求额度要达到5000刀(我的额度1500刀)。于是去branch,被告知学生身份使我的额度“原则上”被限制在1000刀,除非Visa方面放行他们是不会主动给我涨额度的。然后我就和我的客户经理写了一封长信,内容如下:
Good afternoon XXXX,
My name is YYYY, a student client of yours... I have encountered a little problem with my banking recently.
The problem occurred when I attempted to upgrade my Signature Visa to Avion Platinum Visa (the $120 one, not Visa platinum), since I had only $1500 limit, I could not upgrade it. I stopped by a RBC branch, only being told that I could not technically have >$1000 limit because I'm a student.
But I believe I could be trusted with $5000 limit based on the following reasons:1. American Express has already approved a Platinum Card to me. As you may be aware of, this card is a charge card, meaning it does not have a limit and I am required to pay in full each month.2. Tangerine has approved me a MasterCard with $7000 limit.3. Till today, I have never had any form of late payments, nor even as much as only minimum payments — I always pay in full in time. You can check my credit files on that.
For the reasons above, I think I am qualified for the Avion Platinum Visa. All I may need is a little push from you to boost up my credit limit. Of course, the reason I prefer an Avion card is because I'd prefer to use my RBC rewards points to British Airline, which the Signature could not offer me.
Could you please do me a favor on this? I'll be waiting to hear from you.

Sincerely, YYYY
在这篇“雄文”里,我说出了他应该给我涨额度的三个理由,但是归根结底就两个:
1. 其他银行给我批了高额度的卡,你为什么不行?
2. 我在你家用卡用的这么规规矩矩的,就不能网开一面吗?
同时也说到了想要换卡的理由。以这些为理由请求客户经理给我加额度,很快我得到了如下回复:
Hello YYYY, you make a well executed argument. I will see what I can do for you.
接下来的后续是他表示能给我提额到5K,只不过这种强行提额会给我信用记录带来微小的负面冲击,所以我决定等我的记录恢复一段时间再做。嗯,对,在他回信的时候我在RBC的存款还不到5K呢。在这种情况下,重点在于有理有据,同时要保持礼貌,别上来就跟个大爷似的“喂,老子有钱,批卡!”。许多事情最终还是在人为,所以千万别得罪了能帮到你的人。