信用卡討論區（152）呢度唔係CS，睇咗頭post同terms先問

hsbc vs外國paypal比外幣，guru有啲計有啲唔計

收錢方唔係香港以外？

寫明GB的，post左成個禮拜

問下CS?

去完旅行先一次過問

我用red碌paypal就automatic payment次次唔計4%，payment就大概七成機會計，唔計嗰啲應該當咗增值電子錢包嗰類嘢(掛)
MMP碌過一次外幣payment食到5％

見到Guru條數咁撚煩已經唔想玩

其實有樣野我睇唔明
解鎖左3%之後係咪要 keep 住前三個月最少要有 $8000 簽賬先 keep 到 3%，定係解鎖後就唔使理？

有冇人最近add唔倒red card 入apple pay? 我剛換左電話(apple), 用HSBC app又唔得，online chat又話無野…😵‍💫

再問多次
你叫佢 check 下你登記左幾多張 apple pay
有機會爆左上限，叫佢 delete 舊的 apple pay

好，又再問下先🙏🏻🙏🏻

求先睇完FAQ，佢有講明一年會籍有效期後要重新解鎖3%
所以應該係可以維持3%至會籍有效期完結為止

亦換句話講，其實係應該諗住簽先至開始會籍，蠢左

而且根據條款，三個月八千蚊的簽賬需要係會籍等級有效期內 (within your current GO Traveller membership period) 進行
我理解係，你個三個月係第一年第11個月、第一年第12個月同第二年第1個月進行都唔會計數，因為橫跨左兩個會籍等級有效期

佢係話每個會籍升完級有效一年，你登記咗唔簽都係等到簽咗$8000升級先開始計一年

就算第一個level都計，過期都仲係Go Traveller，所以冇分別

唔係，你登記個一刻就已經係 level 1，開始計會籍有效期

Membership Tier
3.1. There are three tiers of the Membership:
• GO Traveller ("Level 1")
• GING Traveller ("Level 2")
• GURU Traveller ("Level 3")
Each tier individually will be referred as "Membership Tier" and collectively as "Membership Tiers".
3.2. By enrolling as a Travel Guru Member, you will automatically be placed in GO Traveller Membership Tier and you can progress to the subsequent Membership Tiers if you fulfill the requirements as stated in the "Terms and Conditions for Spending Requirements and Offers for HSBC Travel Guru Membership Programme".

簽 $8000 係唔會升級，只係解鎖 3%
簽夠 $30000 先升 level 2