香港投资，我在大陆要花怎么办？用对办法，不占外汇额度，还有便宜占！

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大家好

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今天我们来聊一个很多担心在香港投资钱

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不方便回大陆消费的问题

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这个问题可以通过信用卡完美解决

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很多大陆观众对信用卡存在偏见

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今天我讲一下香港信用卡到底有什么隐藏福利

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是大陆的信用卡完全做不到的

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我把它总结成一句话

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香港赚钱

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大陆花出境消费也不慌

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具体来说就是不占购汇额度高

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回赠礼数以及全球零责任保障

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今天我们就把这三大福利一次讲透

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我们今天的内容分为六个部分

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大概10分钟讲完

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首先我会花最快的时间给大家铺垫一下

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三大卡组织和香港的发卡格局

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接着重点拆解

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为什么银联双币卡在大陆消费不占购汇额度

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它的底层逻辑是什么

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然后对比香港和大陆信用卡的积分回赠差距

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第四部分还原出境盗刷找回的真相

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第五部分提醒大家出境刷卡的两个大坑

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最后给出具体的申请门槛与卡片组合

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建议在讲福利之前

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先做个最快的基础铺垫

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全球主要的卡组织有三家

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Visa mastercard

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也就是万事达

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还有银联

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visa和万事达的全球受理网络

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最大欧美澳是他们的主场

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外币交易非常标准化

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而银联在大陆是绝对的霸主

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在香港和东南亚的覆盖也非常广

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如果你看香港的主流发卡行

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比如汇丰

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渣打

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中银香港等等

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他们的产品基本都是多卡组合

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一个玩转香港信用卡的用户

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手里通常会有这几张卡

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一张visa或万事达用于全球消费和出境旅游

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一张银联双币卡用于中港日常消费

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绑定微信和支付宝

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还可以选配一张礼数卡

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专门用来攒国泰或者新航的飞行里程

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理解了这个结构

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我们下面来讲第一大福利

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第一部分我们来聊聊银联双币卡

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为什么你在香港赚的钱

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可以在大陆毫无阻碍的白花

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这里有一个非常普遍的常见误区

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很多人以为我用境外卡在大陆刷

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或者用大陆卡在境外刷

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会占用我每年5万美元的购汇额度

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很多人因此不敢用

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怕刷爆额度

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错过了真正的福利

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但事实是你完全弄错了规则

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根据外汇管理局的规定

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境外刷卡走的是经常项目

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根本不占用你的个人购汇额度

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占额度的是你拿人民币去换外币

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这个购汇的动作刷卡消费

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本质上是在用银行的外汇额度

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而不是你的

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那香港的银联双币卡是怎么运作的呢

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它的底层机制是反向跨境

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这张卡里有两个账户

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各走个路

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港币账户用于香港本地和海外网络结算和还款

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都用港币

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人民币账户

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专门用于大陆境内消费

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绑定微信支付宝

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你在大陆买杯咖啡

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账单上直接就是人民币结算

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你最后用香港账户里的人民币去还款就行

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这两条路径从头到尾都没动过

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你大陆账户里的钱不涉及换汇动作

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所以和5万美元额度完全无关

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操作起来也非常简单

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从2024年11月开始

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银联国际已经正式开通了境外银联卡

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全场景绑定微信和支付宝

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你只需要四步

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打开微信或支付宝

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输入卡号

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有效期和CVV完成短信验证

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就可以在内地扫码支付了

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目前推广期内小额支付免手续费

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这里有个小提醒

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用支付宝扫码部分银行

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比如汇丰只给基础回赠

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如果你有大额消费

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走微信支付拿到的回赠会更划算

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聊完跨境消费

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我们进入第二部分

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聊聊香港信用卡最让人上瘾的地方

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高回赠和高礼数没有对比就没有伤害

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我们先看看大陆信用卡的积分有多鸡肋

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大陆国有大型的积分底线比例通常是1000比一

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回赠率大约是0.1%

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招行和中信是2000比一

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兴业银行是2500比一

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回赠率只有0.04%

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说人话就是你在大陆刷1万块钱能拿回来的

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实际价值大概只有四块到十块钱

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但是香港信用卡完全是另一个量级

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我们看这张主流港卡的回赠表

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汇丰visa signature

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配合最红自主奖赏

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外币

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最高回赠能冲到6.6%

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渣打simply cash

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外币消费2%无上限

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中银chill card指定商户高达10%

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如果你喜欢飞行里程

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汇丰every mile可以做到两港币换一礼

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渣打国太卡直购机票也是两港币换一礼

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把两边放在一起

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直观对比一下

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同样花1万块钱

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大陆国有大型给你十块

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招行给你五块

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但是在香港

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渣打无脑刷

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给你150块

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汇丰外币消费给你660块

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中银指定商户甚至能给到1000块

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这中间的差距足足有30~60倍

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这也就是为什么懂行的人

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只要一有机会都会优先刷香港的信用卡

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第三部分

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我们来聊聊出境旅游最怕遇到的一件事盗刷

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很多人说大陆信用卡被盗刷了

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只能认栽

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这个说法对吗

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对

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但只对了一半

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我们来看看真相

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在香港或者国际上

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visa和万事达有一项写在规则里的硬性保障

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叫做全球零责任

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也就是zero liability

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只要你满足两个条件

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第一合理保管卡片

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没有主动泄露密码和CVV

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第二发现盗刷后及时通知发卡行

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通常是60天内提交争议表格

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那么所有未授权的交易

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持卡人都不需要承担责任

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而且在调查的60~90天里

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争议金额是冻结的

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你不需要先付款再追讨

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那大陆信用卡被盗刷了

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真的是只能认栽吗

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其实并不是

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明确规定

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如果是伪卡盗刷或者网络盗刷

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发卡行没有尽到安全保障义务的

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应当承担赔偿责任

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所以法律上是有依据的

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但问题在于

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你需要走司法路径

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你要立即报案

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拿到回执

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要保留人卡分离的证据

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如果银行不赔

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你还要去打民事诉讼

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大陆人懂得自然懂

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你怎么证明你没有故意泄露卡片信息

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你怎么证明是银行的责任

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其实银行赔偿那笔盗刷根本不会损失一分钱

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因为那笔钱根本还没到骗子手上

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他们只是不愿意干你的钱没了

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关他什么事

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我们把香港和大陆的处理体验做个直观对比

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香港卡走的是卡组织的全球零责任规则

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一通电话加一份表格就能启动调查

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期间不用你先垫款两三个月出结果

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而大陆卡走的是法律救济途径

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通常需要你先还款

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然后再经历漫长的报案取证

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甚至诉讼周期可能长达半年到两年

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所以差距不是赔不赔

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而是处理流程的确定性

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以及你付出的时间成本

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讲完三大福利

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我再给大家补充两个

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出境刷卡的隐藏避坑知识点

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第一永远不要选DCC动态货币转换

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如果国外的POS机

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问你按当地货币还是按港币结算

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记住永远选当地货币

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选港币会被商户收取极高的溢价

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让你白白多损失4%到五的钱

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第二留意1.95%的外币交易手续费

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如果你经常出境

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建议办一张免手续费的神卡

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比如渣打smart卡

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搭配高礼数卡组合使用

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最后给大家梳理一下申请门槛和卡片组合

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建议申请香港信用卡

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通常需要香港住址证明和本地收入证明

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内地居民可以通过见证开户

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先开立银行账户

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存入一定资金后再申请

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记得务必开通短信提醒

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这是触发盗刷零责任保障的前提

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如果你想一劳永逸

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我建议准备三张卡

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一张银联双币卡

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对付中港日常和微信

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支付宝

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一张高回赠的visa或万事达

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对付境外消费和网购

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再加一张高丽数卡

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专门用来攒机票

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总结一下今天的内容

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香港信用卡的三大福利

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第一银联双币卡绑微信

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支付宝

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大陆消费走人民币结算不占购汇额度

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第二香港信用卡的高回赠和高礼数奖励

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是大陆的几十倍

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第三全球零责任保障出境盗刷

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一通电话就能在60天内解决

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香港赚钱

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大陆花出境也不慌

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感谢大家的收看

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我是专注财商科普的博主

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如果这期视频对你有用

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请点赞关注我们

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