[心得] 聯邦調額失敗(對投資為主要收入極不友善)
★職業類別 : 記帳事務所員工
★年資:大概7年
★年收入: 大概1.2M
★有無貸款:紓困貸款10W剩2期
★提供之財力證明:最近去報稅網申請112年所得清單,所得約1.2M
★其他已持有信用卡額度 : 中信4.5W 去年年底辦好
安泰3W 去年年底辦好
★申請額度 聯邦3W->10W 被拒絕 (去年3月辦好)
去年十月超過半年時已經申請過一次 3W->5W被拒絕
(那時財力證明拿集保庫存大概10M上下之股票+111年所得清單 1.8M)
那時就有跟客服溝通過,客服就是一直跳針綜合評分不過,或是請我拿出房產證明
最後就是不了了之,後來上來爬文發現有人講聯邦其實也會看股票?
所以就等年滿一年去申請,4/29申請 今天5/3被傳簡訊拒絕
然後晚上有再次跟客服溝通了,得到2點心得(感謝這次客服講得比較明白)
1.對我們這種主要靠投資當作收入的人,要調額就是靠房產證明,再不濟也要拿
活存or定存,股票確定完全不認
2.我詢問如果我之後常拿這張卡當使用主力,對調額有沒有幫助,客服回答
還是要看財力證明(房產證明)
#投資收入極度不友善銀行
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