覺唔覺信用卡公司追唔上科技潮流？

你個patpat 長期開face id定自動入pin

所以咪話你無係海外簽過卡囉

目前最好個張卡海外回贈係5.4%，你fx同手續費邊有咁貴？

換定靚rate再簽，講就講得好聽，有邊個上年換yen無蟹到？

有multi currency debit card

樓主...信用卡好多年前已經有得拍，
你訓咗幾耐

樓主 好好做人啦出番黎

證明你只係做過消費者囉
要賺就邊止5.4%
有時計哂所有fee可以蝕到佢10%以上都得

係你香港落後姐

London 2014 年已經係 contactless payment 搭地鐵巴士，依家火車都有，未就係一張卡拍落去就得

但香港較多部卡好似要佢去死咁，咁無機又點做 contactless ????

但動態港元計價就唔好啦
如果細額就算
大額最好搵找換店或者IB呢啲平台幫下手
唔好盡信銀行同信用卡公司的玩法

先唔講paywave
依家有先買後付連過數嗰下都唔洗等
樓下你訓左幾耐

好耐都未過做碌卡呢個動作
差唔多間間鋪頭都有得拍卡

信用卡係落後
但係八達通先係真正的柒咁多年都無咩進步
要先進係大陸的電子支付啦你去到邊做緊啲咩都追蹤哂

巴士有機好耐

好多人都知架啦
在外地碌卡要本地計價
DO NOT CONVERT是常識吧

如果細額你咪碌卡囉

Paywave 都係三幾秒鐘，你想點呀😂

邊可能呀，我想問邊張卡charge 到5%fee 以上

其實英國、挪威好多地方都係電子支付，上面講倫敦嘅巴士甚至唔收現金

係香港好多人只係識同 China 呢舊屎去比較，先覺得唔用現金係大陸化，又攞啲咩監控出嚟比較，但依家美國英國都係習慣咗大城市唔用現金好多年，係香港太多井底蛙唔知

所以依家有 40 萬人移咗民都好，可以見吓個世界係點

真係膠都廢事俾，再覆你真心浪費時間

網上睇完Kol講就以為自己親身經歷

你只要唔係用 DCC (簽卡時有得俾你揀用唔用)，匯率係用 Visa / MasterCard / 銀聯，同中間價爭0.5-1% (你銀行除 IB 換錢個 Spread 一般會更高)

每日Fx 咩價，你上網可以查到，係完全透明

香港信用卡海外簽帳手續費，最低係 0% (部分銀聯 / SC Smart)，通常係 1.95%，呢個係銀行收費查到

你揀岩信用卡簽，手續費Fx 夠 Cover兼賺錢，唔會係你所講 10% 以上

信用卡點解俾到咁高回贈，主因係還唔到錢的人真係好多，第二個原因係銀行收商戶手續費其實唔平，個手續費一早反映左係產品價錢，商戶已經mark up左你，你俾cash 就真心傻仔啦

https://www.investopedia.com/dynamic-currency-conversion-dcc-term-4769305
DCC

你調番轉唸
如果一單生意
我唔係賺到你特別多
點解我要另外出咁多promotion去推廣叫人多啲用?
我係賺叻人的錢定係蠢人的錢會比較容易?

How a Foreign Transaction Fee Works
Foreign transaction fees are typically around 3% of each transaction in U.S. dollars.
1
This fee might consist of a 1% fee charged by the payment processor, such as MasterCard or Visa, plus another 2% fee charged by the card issuer, such as Bank of America or Wells Fargo.

信用卡公司賺錢唔係喺呢度賺ga ching

DCC 係可以拒絕

除非你去個間鋪專呃 local，大部分人只會幫你揀 local currency

我過去一個月都無俾人 charge 過，你下次外遊簽下卡就知

DCC is an optional service offered by foreign merchants at the POS that lets you see the cost of your purchase in your home currency, i.e., U.S. dollars. Unfortunately, DCC comes with a high currency conversion rate and additional fees that can make the transaction very expensive. One European study found exchange rate markups of from 2.6% to 12%. As DCC is optional, you have the right to decline it when offered.

If you agree to DCC when you make the purchase or withdrawal, that exchange will also be subject to any foreign transaction fee levied by your credit card, debit card, or ATM network. This could result in fees of up to 7% or more.