ϷmJdcard˾Ǯ //danaherbertts.shop/credit-novice-loan/ Mon, 13 Dec 2021 02:49:14 +0000 //danaherbertts.shop/?p=20612 信用小白貸款被拒？學?招就能順利脫白！ 你知道即使有收入，但未曾貸款、辦過信用卡，銀行也可能會因為你是「信?[…]

這篇文章 信用小白貸款被拒？學?招就能順利脫白！ 最早出現於 大揚代書?/p> ]]>

信用小白貸款被拒？學?招就能順利脫白！

信用小白貸款被拒？學?招就能順利脫白！ - 大揚代書

你知道即使有收入，但未曾貸款、辦過信用卡，銀行也可能會因為你是「信用小白」而拒貸嗎？究竟信用小白是什麼？如何脫白和提高貸款過件率？本篇文章將帶你深入了解?/p>

內容目錄

信用小白是什麼？

信用小白又稱為「信用空白」，意思是?span class="f-point">個人從來沒有申辦過貸款或信用卡，在聯徵中心的個人信用報告中，查不到任何與銀行的往來資料，導致信用紀錄空白的情形。這樣的情形會被聯徵中心列為「暫時無法評分」，而銀行也會因無從評估信用紀錄，對於信用小白貸款有所顧慮?
※貼心提醒：由於就學貸款是政策性貸款，並非個人消費金融貸款，因此對銀行來說，雖然申貸人申辦過就學貸款，但仍屬於信用小白?/strong>

信用小白如何脫白?/h2>

如果信用小白想向銀行申請貸款，首先要「脫白」。那麼該怎麼做？以下與你分享3個脫離信用小白、培養信用的好方法：

申請信用?/h3>

申辦信用卡是脫白最快的方法，若想辦卡，必須穩定工作?個月並持有薪轉收入的存摺，而辦卡後只要持續使用3個月以上，即可逐漸累積信用分數。另外，務必?span class="f-point">養成信用卡消費後正常繳費並全額繳清的習慣，不要把卡刷爆、不要使用預借現金服務等，即可逐漸脫白並培養信用?
?延伸閱讀 ?strong>信用卡預借現金是什麼？申請方式、注意事項一次看

拒當月光?/h3>

有穩定的薪資轉帳還不夠，如果帳戶只剩幾百元，在銀行眼中就是月光族，因次不要每月領到薪水後就全部花光，建議薪轉帳戶裡頭最少有數萬元存款；另外，也不要每次只提領百元鈔，最低提領就?000?/span>，否則銀行會認為你有財務困難，未來也很難申請貸款?

從事有薪轉的穩定工作

穩定的薪資轉帳紀錄可培養信用分數，也有利於申請貸款，?span class="f-point">現職工作勞保年資越長，表示工作越穩定，對信用也會有加分效?/span>；如果是從事軍公教人員、金融機構人員、醫療從業人員、百大企業員工等較為穩定的職業，對銀行來說屬於優質客戶，通常核貸率也會提升?
3個脫離信用小白的方法－大揚代? srcset=

如何提高信用小白貸款過件率？

信用小白貸款很有可能會使銀行產生疑慮，畢竟銀行十分在乎申貸者的還款能力，但也不是完全無法申請貸款，只是需要運用以下的小技巧：

  • 提供擔保品：若信用小白貸款無薪轉，但名下有房屋、土地、汽車、機車等，申請貸款時提供給銀行作為擔保品，較能提升過件率、降低信用小白貸款利率，並提高貸款額度?/li>
  • 多比較、詢問：有些信用小白已知自己申貸條件不足，便選擇同時向多家銀行送件，想藉此提高過件率，造成聯徵次數過多，容易被銀行視為急需借錢而拒絕核貸。在此建議多比較、多詢問，精準度與核貸率才能提高?/li>
  • 備有一定金額的存款?/strong>許多銀行在審核貸款條件時，也會查看申貸人經常往來的存摺?span class="f-point">若近6個月內保持一定金額的存款，便能證明申貸人非月光族且財務管理良?/span>，也能有不錯的加分效果?/li>
  • 提供更多的財力證明：勞保明細、薪轉證明是申請信貸的基本資料，雖備妥以?項即可申辦，但對於過件率較低的信用小白，還是建議提供更多財力證明，例如：扣繳憑單、基金、儲蓄險保單、持股明細等資產證明?/li>

信用小白如何貸款?/h2>

作為信用小白該尋求什麼管道申請貸款呢？有2個方向供你參考：

  1. 銀行等金融機構?/strong>平常可多留意是否有銀行正在主打信用貸款的方案，並嘗試詢問貸款內容，較容易因行員有業績壓力而提高過件率?/li>
  2. 合法民間貸款業者：如果你的申貸條件未符合銀行標準，或急需周轉、無法花時間培養信用，建議另尋合法的民間貸款業者，例如民間代書貸款，就能獲得資金協助?/li>
?延伸閱讀 ?strong>代書貸款推薦！撥款快速、額度更高的管道在這裡

信用小白可以貸多少？

根據金管?/a>規定，銀行信貸額度最高不能超過申請人平均月收入的22倍。但接受小白的銀行較少，若信用小白想和銀行申請信用貸款，建議可從小額信貸開始，並將額度設?0萬內，這對銀行來說承作風險較低，有助於提升核貸機率?/p>

不過申辦信貸不是只能透過銀行，如果想取得更高的信用小白貸款額度，也可考慮向民間貸款公司、民間代書申貸，只要提供收入證明與在職證明，就算有信用瑕疵、信用小白等問題都可以順利申?/span>?/p>

信用小白貸款常見問題

  1. 年滿18?0歲之國民，工作滿3個月
  2. 若為公務員、教職員，信用正常、工作滿3個月即可
  3. 若為軍人，須為職業軍人、士官、非義務役軍人身?/li>
  1. 身分證等雙證?/li>
  2. 戶籍謄本
  3. 收入證明
  4. 在職證明（必須為正職?/li>
  5. 財產清冊

當然有！可參?a href="//danaherbertts.shop/pingtung-credit-novice-loan/" target="_blank" rel="noopener">信用小白無法辦銀行信?/a>一文，內有當事人成功核貸的過程?/p>

信用小白貸款找大揚代?/h2>

信用小白倘若想成功申貸，需要慎選貸款機構，畢竟受理信用小白貸款銀行仍占少數，若申貸條件不理想或急需資金，都可以來找大揚代書！不僅借貸管道合法安全，且利率合理、不過件不收費，我們會依照你的條件打造合適的方案，歡迎來電免費諮詢或?strong>線上填單，將有專人為你服務?/p>

大揚代書24H免費諮詢

我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p>

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追蹤粉絲專頁獲得最新資?/h5>
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left;">依銀行核定，1年～7年?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">貸款利率</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">0.88%?.99%（依銀行當期利率核定）</td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: center;">檢附文件</th> <td style="border-right:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: left;">身份證、收入證明、在職證明、財力證明文件?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">貸款額度</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">依個人狀況核定?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; border-bottom:3px #b9a88e solid; background-color:#f9f5ef;vertical-align: middle; text-align: center;">撥款方式</th> <td 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class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="提高過件?– 大揚代書" title="提高過件?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">提高過件?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="申辦過程快?– 大揚代書" title="申辦過程快?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">申辦過程快?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="免費諮詢服務 – 大揚代書" title="免費諮詢服務 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">免費諮詢服務</h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> <div class="elementor-element elementor-element-b8b2771 elementor-widget elementor-widget-html" data-id="b8b2771" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="background-color:#e8dccc; vertical-align: middle; text-align: center; font-size:20px;" colspan="3"><u>自辦貸款</u> vs <u>代辦貸款</u> <br>差別比較</th></tr> <tr> <th style="background-color:#f9f5ef; vertical-align: middle; text-align: center;" width="12%">項目</th> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" width="44%">自辦貸款</th> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" width="44%">代辦貸款</th> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">利率額度</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >貸款資訊知識不足，較難貸到理想方?/td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >專業的貸款顧問協助爭取更好條?/td> </tr> <tr> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;">貸款方案</th> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >只獲1家銀行方案（無法一次多家比較）</td> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >多家銀行同時評估（快速找到適合自身的銀行方案）</td> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">審核時間</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >較慢，不熟悉流程，且要自己請假去處理</td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >較快，因熟悉銀行作業流程，可縮短申請時?/td> </tr> <tr> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;">過件?/th> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >核准率較低，信用不佳等因素容易退?/td> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >核准率較高，量身規劃客製服務，並避免浪費聯徵次數</td> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">適用對象</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;">信用條件優良、受銀行喜愛職?/td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;">急用錀信用瑕?小白、被銀行拒貸、想要有更好貸款條件</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-fa28e39 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="fa28e39" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3de830" data-id="f3de830" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-905a353 elementor-widget elementor-widget-heading" data-id="905a353" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default"><span style="border-bottom:#34324a 5px solid;padding-bottom:3px;">六大優勢</span></h2> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-89a57b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="89a57b0" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a6621d" data-id="1a6621d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-8dc7325 elementor-widget elementor-widget-lae-services" data-id="8dc7325" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/one-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜政府推薦＞擁有超過三十年實務經驗的優良店家，政府合法，專業經營" title="＜政府推薦＞擁有超過三十年實務經驗的優良店家，政府合法，專業經營" srcset="//danaherbertts.shop/wp-content/uploads/2021/02/one-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/one.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">政府推薦</h3> <div class="lae-service-details">擁有近五十年實務經驗的優良店家，政府合法，專業經營?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/two-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜實體店面＞大揚是擁有實體店面的店家，讓您看的到，能夠借得更安? title="＜實體店面＞大揚是擁有實體店面的店家，讓您看的到，能夠借得更安? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/two-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/two.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">實體店面</h3> <div class="lae-service-details">大揚是擁有實體店面的店家，讓您看的到，能夠借得更安心?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/three-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜撥款快速＞貸款門檻低，利率低，額度高，而且急件最快就能當天撥? title="＜撥款快速＞貸款門檻低，利率低，額度高，而且急件最快就能當天撥? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/three-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/three.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">撥款快?/h3> <div class="lae-service-details">貸款門檻低，利率低，額度高，而且急件最快就能當天撥款?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> <div class="elementor-element elementor-element-6d4569f elementor-widget elementor-widget-lae-services" data-id="6d4569f" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/four-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜過件率高＞提供各式貸款項目，為您規劃最合適的專案，提高貸款過件? title="＜過件率高＞提供各式貸款項目，為您規劃最合適的專案，提高貸款過件? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/four-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/four.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">過件率高</h3> <div class="lae-service-details">提供各式貸款項目，為您規劃最合適的專案，提高貸款過件率！</div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/five-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜專業諮詢＞大揚業務範圍不受限台南地區，全台經營，歡迎來電做免費諮? title="＜專業諮詢＞大揚業務範圍不受限台南地區，全台經營，歡迎來電做免費諮? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/five-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/five.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">全台服務</h3> <div class="lae-service-details">大揚服務範圍不受地區限制，全台經營，離島地區也能辦理?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/six-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜專業諮詢＞24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款" title="＜專業諮詢＞24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款" srcset="//danaherbertts.shop/wp-content/uploads/2021/02/six-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/six.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">專業諮詢</h3> <div class="lae-service-details">24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-c7ca8ef elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="c7ca8ef" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a9da64" data-id="1a9da64" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-f27da45 elementor-widget elementor-widget-heading" data-id="f27da45" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行信貸簡?步驟</h2> </div> </div> <div class="elementor-element elementor-element-ede03c0 elementor-widget elementor-widget-text-editor" data-id="ede03c0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h5 style="text-align: center;">專業快速、誠信保?/h5> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-7bcb255 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7bcb255" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1059c4a" data-id="1059c4a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-286e928 elementor-widget elementor-widget-lae-services" data-id="286e928" data-element_type="widget" data-settings="{"per_line":"5","per_line_tablet":"2","per_line_mobile":"1"}" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-desktop-5 lae-grid-tablet-2 lae-grid-mobile-1" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/提出申請-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：提出申請 – 大揚代書" alt="申貸五步驟：提出申請 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">免費諮詢</h3> <div class="lae-service-details">貸款或債務上的問題，詳細了解申貸人的需求，提供申貸建議?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/準備文件-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：準備文件 – 大揚代書" alt="申貸五步驟：準備文件 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">篩選方案</h3> <div class="lae-service-details">貸款顧問會先詢問蒐集你的資料及信用條件進行評估?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/審核評估-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：審核評估 – 大揚代書" alt="申貸五步驟：審核評估 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">銀行審?/h3> <div class="lae-service-details">專員與銀行進行溝通，提高過件率，銀行會依據申貸人的條件進行審核?</div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/簽約對保-1-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：簽約對保 – 大揚代書" alt="申貸五步驟：簽約對保 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">簽約對保</h3> <div class="lae-service-details">銀行貸款核准後，申貸人與銀行進行對保，確認核貸金額、還款利率、期限等規範?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/撥款入帳-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：撥款入帳 – 大揚代書" alt="申貸五步驟：撥款入帳 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">完成撥款</h3> <div class="lae-service-details">對保完成，待銀行撥款至帳戶，代辦公司向申貸人收取手續費?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-cc42a19 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="cc42a19" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5880898" data-id="5880898" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-9ae23e1 elementor-widget-divider--separator-type-pattern elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="9ae23e1" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider" style="--divider-pattern-url: url("data:image/svg+xml,%3Csvg xmlns='//www.w3.org/2000/svg' preserveAspectRatio='none' overflow='visible' height='100%' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='1' stroke-linecap='square' stroke-miterlimit='10'%3E%3Cpath d='M0,6c6,0,0.9,11.1,6.9,11.1S18,6,24,6'/%3E%3C/svg%3E");"> <span class="elementor-divider-separator"> </span> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-ba3e729 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="ba3e729" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d10e69b" data-id="d10e69b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3266378 elementor-widget elementor-widget-heading" data-id="3266378" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行信貸常見問?/h2> </div> </div> <div class="elementor-element elementor-element-1981935 elementor-widget elementor-widget-toggle" data-id="1981935" data-element_type="widget" data-widget_type="toggle.default"> <div class="elementor-widget-container"> <div class="elementor-toggle"> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2671" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2671" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信用貸款需要什麼條件？</a> </div> <div id="elementor-tab-content-2671" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2671"><p>不同銀行的信貸條件可能有差異，不過基本上離不開以下幾項?br />1.年滿18歲的中華民國國民<br />2.現職工作至少任職?個月<br />3.信用紀錄良好，有正常還款能?br />4.有穩定的工作收入，可提供薪資證明</p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/apply-personal-credit-loan/" target="_blank" rel="noopener">個人信貸有什麼優缺點?步驟速取周轉資金</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2672" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2672" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">信用小白可以申請銀行信貸嗎?/a> </div> <div id="elementor-tab-content-2672" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2672"><p>信用小白沒有任何信用紀錄，銀行難以評估申請人的風險，所以通常會拒絕核貸。不過申請人<span class="f-point">可以盡量提出有力的財力證明來佐證還款能力</span>，或者若不著急用錢，<span class="f-point">可先申辦一張信用卡並正常使用、繳費，累積信用分數</span>?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/credit-novice-loan/" target="_blank" rel="noopener">信用小白貸款被拒？學?招就能順利脫白！</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2673" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-2673" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信貸可以貸多少?/a> </div> <div id="elementor-tab-content-2673" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-2673">受限於金管會的規範，<span class="f-point">銀行個人信貸額度不得超過平均月收入的22?/span>，且這個額度還須扣掉信用卡、現金卡等其他無擔保債務餘額?/div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2674" class="elementor-tab-title" data-tab="4" role="button" aria-controls="elementor-tab-content-2674" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信貸沒過怎麼辦？</a> </div> <div id="elementor-tab-content-2674" class="elementor-tab-content elementor-clearfix" data-tab="4" role="region" aria-labelledby="elementor-tab-title-2674"><p>若申辦信貸沒過，<span class="f-point">可以向銀行提出「申覆?/span>，也就是重新審核貸款，這時候要補交對自己有利的資料，才能提高過件率。不過，若信貸沒過的原因是信用評分不足的話，就算補交財力證明也不容易申覆成功?span class="f-point">建議先培養好信用再重新申請貸?/span>?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/credit-score/" target="_blank" rel="noopener">信用評分是什麼？9項要點帶你深入了解！</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2675" class="elementor-tab-title" data-tab="5" role="button" aria-controls="elementor-tab-content-2675" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信貸利率有陷阱嗎？</a> </div> <div id="elementor-tab-content-2675" class="elementor-tab-content elementor-clearfix" data-tab="5" role="region" aria-labelledby="elementor-tab-title-2675"><p>銀行信貸利率經常寫得很誘人，要注意的是?span class="f-point">廣告上所寫的最低利率通常都是前期優惠，後期就會調?/span>，而且信貸的實際利率是依個人條件核定的，<span class="f-point">申請人不一定能得到銀行所公告的最低利?/span>，因此銀行廣告的利率參考就好，千萬不要單純以它來挑選方案?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/credit-loan-trap/" target="_blank" rel="noopener">信用貸款陷阱破解大全?要點了解其中關鍵</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2676" class="elementor-tab-title" data-tab="6" role="button" aria-controls="elementor-tab-content-2676" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">循環信貸是什麼？</a> </div> <div id="elementor-tab-content-2676" class="elementor-tab-content elementor-clearfix" data-tab="6" role="region" aria-labelledby="elementor-tab-title-2676"><p>循環型信貸又稱為理財型信貸，和一般信貸不同的地方在於它不是直接獲取一整筆資金，而是<span class="f-point">銀行核可一個額度，申請人在額度內可隨借隨還，提領後才開始以日計息，當日借還還免利息</span>。雖然方便，但循環信貸的手續費和利率都會比一般信貸還要高?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/revolving-credit-loan/" target="_blank" rel="noopener">循環型信貸好便利？申請前你該知道?件事</a></b></span></p></div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-cf6c9a4 elementor-section-content-middle phone elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="cf6c9a4" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-406719ab" data-id="406719ab" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-66e38db8 elementor-widget elementor-widget-heading" data-id="66e38db8" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">大揚代書24H免費諮詢</p> </div> </div> <div class="elementor-element elementor-element-53105e14 elementor-widget 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elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="b1b0c80" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider" style="--divider-pattern-url: url("data:image/svg+xml,%3Csvg xmlns='//www.w3.org/2000/svg' preserveAspectRatio='none' overflow='visible' height='100%' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='1' stroke-linecap='square' stroke-miterlimit='10'%3E%3Cpath d='M0,6c6,0,0.9,11.1,6.9,11.1S18,6,24,6'/%3E%3C/svg%3E");"> <span class="elementor-divider-separator"> </span> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2ece29a elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2ece29a" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3cc925b" data-id="3cc925b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d50d398 elementor-widget elementor-widget-heading" data-id="d50d398" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行信貸相關文?/h2> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-a0ab04b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="a0ab04b" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cf6126" data-id="1cf6126" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-70ad899 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts" data-id="70ad899" data-element_type="widget" data-settings="{"classic_columns":"3","classic_columns_tablet":"2","classic_columns_mobile":"1","classic_row_gap":{"unit":"px","size":35,"sizes":[]},"classic_row_gap_tablet":{"unit":"px","size":"","sizes":[]},"classic_row_gap_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="posts.classic"> <div class="elementor-widget-container"> <div class="elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid"> <article class="elementor-post elementor-grid-item post-45980 post type-post status-publish format-standard has-post-thumbnail hentry category-bank-loan-area tag-4628 tag-4624 tag-4629 tag-4625 tag-4623 tag-4626 tag-4627"> <a class="elementor-post__thumbnail__link" href="//danaherbertts.shop/micro-venture-phoenix-loan/" target="_blank"> <div class="elementor-post__thumbnail"><img decoding="async" width="300" height="214" src="//danaherbertts.shop/wp-content/uploads/2024/02/micro-venture-phoenix-loan-300x214.png" class="attachment-medium size-medium wp-image-45981" alt="微型創業鳳凰貸款懶人包！申請資訊報你知！－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2024/02/micro-venture-phoenix-loan-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2024/02/micro-venture-phoenix-loan-768x548.png 768w, //danaherbertts.shop/wp-content/uploads/2024/02/micro-venture-phoenix-loan.png 1024w" sizes="(max-width: 300px) 100vw, 300px" /></div> </a> <div class="elementor-post__text"> <h2 class="elementor-post__title"> <a href="//danaherbertts.shop/micro-venture-phoenix-loan/" target="_blank"> 微型創業鳳凰貸款懶人包！申請資訊報你知！ </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2024-02-17 </span> </div> <div class="elementor-post__excerpt"> <p>微型創業鳳凰貸款懶人包！申請資訊報你知！ 你知道什麼是微型創業鳳凰貸款嗎？這是勞動部為協助女性、中?/p> </div> <a class="elementor-post__read-more" href="//danaherbertts.shop/micro-venture-phoenix-loan/" aria-label="Read more about 微型創業鳳凰貸款懶人包！申請資訊報你知！" target="_blank"> 《閱讀更多? </a> </div> </article> <article class="elementor-post elementor-grid-item post-42541 post type-post status-publish format-standard has-post-thumbnail hentry category-bank-loan-area tag-4342 tag-4347 tag-4346 tag-4345 tag-4344 tag-4343"> <a class="elementor-post__thumbnail__link" href="//danaherbertts.shop/farmers-association-loan/" target="_blank"> <div class="elementor-post__thumbnail"><img decoding="async" width="300" height="214" src="//danaherbertts.shop/wp-content/uploads/2023/08/farmers-association-loan.webp" 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target="_blank"> <div class="elementor-post__thumbnail"><img decoding="async" width="300" height="214" src="//danaherbertts.shop/wp-content/uploads/2023/08/youth-entrepreneurs-loan-300x214.png" class="attachment-medium size-medium wp-image-41042" alt="青年創業貸款?要點助你一圓少年頭家創業夢 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2023/08/youth-entrepreneurs-loan-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2023/08/youth-entrepreneurs-loan-768x548.png 768w, //danaherbertts.shop/wp-content/uploads/2023/08/youth-entrepreneurs-loan.png 1024w" sizes="(max-width: 300px) 100vw, 300px" /></div> </a> <div class="elementor-post__text"> <h2 class="elementor-post__title"> <a href="//danaherbertts.shop/youth-entrepreneurs-loan/" target="_blank"> 青年創業貸款?要點助你一圓少年頭家創業夢 </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2023-08-02 </span> </div> <div class="elementor-post__excerpt"> <p>青年創業貸款?要點助你一圓少年頭家創業夢 好想自己創業當老闆，卻苦無資金嗎？青年創業貸款能幫你一?/p> </div> <a 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//danaherbertts.shop/wp-content/uploads/2022/11/changhua-mortgage-bank.png 1024w" sizes="(max-width: 300px) 100vw, 300px" /></div> </a> <div class="elementor-post__text"> <h2 class="elementor-post__title"> <a href="//danaherbertts.shop/changhua-mortgage-bank/" target="_blank"> 彰化房貸銀行怎麼貸？4大重點帶你深入了? </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2022-11-09 </span> </div> <div class="elementor-post__excerpt"> <p>彰化房貸銀行怎麼貸？4大重點帶你深入了?彰化的產業聚落相當多，有許多人在此定居，也有人會選擇在彰?/p> </div> <a class="elementor-post__read-more" href="//danaherbertts.shop/changhua-mortgage-bank/" aria-label="Read more about 彰化房貸銀行怎麼貸？4大重點帶你深入了? target="_blank"> 《閱讀更多? </a> </div> </article> <article class="elementor-post elementor-grid-item post-28414 post type-post status-publish format-standard has-post-thumbnail hentry category-house-loan-area category-bank-loan-area tag-3061 tag-722 tag-5104 tag-1749 tag-5103"> <a class="elementor-post__thumbnail__link" href="//danaherbertts.shop/mortgage-interest-rate-calculate/" target="_blank"> <div class="elementor-post__thumbnail"><img decoding="async" width="300" height="214" src="//danaherbertts.shop/wp-content/uploads/2022/03/mortgage-interest-rate-calculate.webp" class="attachment-medium size-medium wp-image-54950" alt="房貸利率怎麼算？利率種類、計算方式一次懂！－大揚代書" /></div> </a> <div class="elementor-post__text"> <h2 class="elementor-post__title"> <a href="//danaherbertts.shop/mortgage-interest-rate-calculate/" target="_blank"> 房貸利率怎麼算？利率種類、計算方式一次懂? </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2022-03-28 </span> </div> <div class="elementor-post__excerpt"> <p>房貸利率怎麼算？利率種類、計算方式一次懂?如果你想要申請房屋貸款，除了搜尋各銀行的貸款方案，房貸利</p> </div> <a class="elementor-post__read-more" href="//danaherbertts.shop/mortgage-interest-rate-calculate/" aria-label="Read more about 房貸利率怎麼算？利率種類、計算方式一次懂? target="_blank"> 《閱讀更多? </a> </div> </article> <article class="elementor-post elementor-grid-item post-18217 post type-post status-publish format-standard has-post-thumbnail hentry category-bank-loan-area tag-1882 tag-2401 tag-3860 tag-2397 tag-3857 tag-2398 tag-2400 tag-3858 tag-3856 tag-2402 tag-2403 tag-3859"> <a class="elementor-post__thumbnail__link" href="//danaherbertts.shop/young-farmers-loan/" target="_blank"> <div class="elementor-post__thumbnail"><img decoding="async" width="300" height="214" src="//danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！-300x214.png" class="attachment-medium size-medium wp-image-34762" alt="青農貸款有哪些條件？申貸額度最高達1000萬！－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！-768x548.png 768w, //danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！.png 1024w" sizes="(max-width: 300px) 100vw, 300px" /></div> </a> <div class="elementor-post__text"> <h2 class="elementor-post__title"> <a href="//danaherbertts.shop/young-farmers-loan/" target="_blank"> 青農貸款有哪些條件？申貸額度最高達1000萬！ </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2021-11-04 </span> </div> <div class="elementor-post__excerpt"> <p>青農貸款有哪些條件？申貸額度最高達1000萬！ 隨著網路時代跟疫情的關係，雲端、遠端、智能等行業在台</p> </div> <a class="elementor-post__read-more" href="//danaherbertts.shop/young-farmers-loan/" aria-label="Read more about 青農貸款有哪些條件？申貸額度最高達1000萬！" target="_blank"> 《閱讀更多? </a> </div> </article> </div> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/bank-credit-loan/">銀行信?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> <item> <title>信用小白辦卡攻略！了解?點就能順利辦?/title> <link>//danaherbertts.shop/credit-novice-apply-card/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Wed, 21 Apr 2021 05:53:13 +0000</pubDate> <category><![CDATA[生活理財]]></category> <category><![CDATA[不用審核的信用卡]]></category> <category><![CDATA[信用小白]]></category> <category><![CDATA[信用小白是什麼]]></category> <category><![CDATA[接受小白的銀行]]></category> <category><![CDATA[線上申請信用卡流程]]></category> <category><![CDATA[辦信用卡戶頭要有多少錢]]></category> <category><![CDATA[辦信用卡條件學生]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=3539</guid> <description><![CDATA[<p>信用小白辦卡攻略！了解?點就能順利辦?信用小白辦卡有多難？相信很多初次辦卡的人都搜尋過「信用小白怎麼申請?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/credit-novice-apply-card/">信用小白辦卡攻略！了解?點就能順利辦?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="3539" class="elementor elementor-3539" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-19464009 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="19464009" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6e803d7b" data-id="6e803d7b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-25ae20a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25ae20a4" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-51967a7c" data-id="51967a7c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-318e0510 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="318e0510" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">信用小白</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-3af56ea2 elementor-widget elementor-widget-heading" data-id="3af56ea2" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">信用小白辦卡攻略！了解?點就能順利辦?/h1> </div> </div> <div class="elementor-element elementor-element-61c0497c elementor-widget elementor-widget-image" data-id="61c0497c" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2021/04/credit-novice-apply-card.webp" class="attachment-large size-large wp-image-52747" alt="信用小白辦卡攻略！了解?點就能順利辦卡－大揚代書" /> </div> </div> <div class="elementor-element elementor-element-7fb73db5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="7fb73db5" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-7634d187 elementor-widget elementor-widget-text-editor" data-id="7634d187" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>信用小白辦卡有多難？相信很多初次辦卡的人都搜尋過「信用小白怎麼申請信用卡」，或好奇是否有不用審核的信用卡、沒存款辦信用卡是可行的嗎？不用擔擔心，只要用對方法辦卡，就會發現其實沒有那麼困難！</p> </div> </div> <div class="elementor-element elementor-element-d4e5210 elementor-widget__width-inherit elementor-widget elementor-widget-video" data-id="d4e5210" data-element_type="widget" data-settings="{"youtube_url":"https:\/\/www.youtube.com\/watch?v=r8UfMReRjUo","video_type":"youtube","controls":"yes"}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <div class="elementor-video"></div> </div> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-52e745e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="52e745e" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-458e5c8d" data-id="458e5c8d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-506675b1 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="506675b1" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9ee1cab" data-id="9ee1cab" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-6f68d72b elementor-widget elementor-widget-heading" data-id="6f68d72b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信用小白是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-33ebf80b elementor-widget elementor-widget-text-editor" data-id="33ebf80b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>信用小白的意思是?span class="f-point">從來沒有和銀行往來的紀錄，也沒辦過信用卡、貸款，甚至是沒有薪轉證明的?/span>，簡單來說，就是完全沒有信用紀錄導致調閱聯徵時查不?a href="//danaherbertts.shop/credit-score/" target="_blank" rel="noopener"><strong>信用評分</strong></a>，難以作為核卡、核貸的依據?/p> </div> </div> <div class="elementor-element elementor-element-f698a6a elementor-widget elementor-widget-text-editor" data-id="f698a6a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/loan-without-credit-report/" target="_blank" rel="noopener">免調聯徵能夠借款嗎？有哪些管道？</a></b> </div> </div> <div class="elementor-element elementor-element-44804f1 elementor-widget elementor-widget-heading" data-id="44804f1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信用小白辦卡比較容易?/h2> </div> </div> <div class="elementor-element elementor-element-7be0edc elementor-widget elementor-widget-text-editor" data-id="7be0edc" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 很多人以為信用小白雖然鮮少與銀行互動，但起碼沒有負債，辦卡應該不至於太困難吧？其實不對，對銀行來說，<span class="f-point">沒有任何往來紀錄的客戶反而是相對高風險的</span>? </div> </div> <div class="elementor-element elementor-element-14e3473 elementor-widget elementor-widget-text-editor" data-id="14e3473" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 每個人在申辦信用卡前，專員都會查看一次客戶的聯徵紀錄，如果是信用小白的話評分多半為零，這也是為什麼銀行對於信用小白抱持保留態度，有些審核門檻更高的銀行甚至會直接婉拒。因此，<span class="f-point">信用小白並不等於信用良好，如果想要辦卡的話，盡早累積自己的信用以擺脫小白身分，才能增加成功率</span>? </div> </div> <div class="elementor-element elementor-element-2b634573 elementor-widget elementor-widget-heading" data-id="2b634573" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信用小白辦卡哪些比較好過?/h2> </div> </div> <div class="elementor-element elementor-element-f81c40a elementor-widget elementor-widget-text-editor" data-id="f81c40a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h4><span style="color: #e7b77b;">辦理薪轉銀行的信用?/span></h4><p>薪轉銀行因為有穩定的薪水轉入，往來紀錄也是最穩定的，因此建議如果是第一張辦卡，可以選擇薪轉銀行的信用卡方案?/p> </div> </div> <div class="elementor-element elementor-element-d6673d6 elementor-widget elementor-widget-text-editor" data-id="d6673d6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h4><span style="color: #e7b77b;">選擇定存<strong>?/strong>存款較多的銀行信用卡</span></h4><p>如果沒有薪轉帳戶的話，也可以選擇存款較多的銀行申辦信用卡，或是開戶並存入一筆錢，這樣一來可以提高核卡率?/p> </div> </div> <div class="elementor-element elementor-element-260266b elementor-widget elementor-widget-text-editor" data-id="260266b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h4><span style="color: #e7b77b;">申辦主打年輕族群的信用卡</span></h4><p>有些銀行也針對年輕族群推出信用卡，這些卡片回饋不比別人差，核卡率也比較一般信用卡高，?a href="//www.taishinbank.com.tw/TSB/personal/credit/intro/overview/cg021/card001/" target="_blank" rel="noopener"><strong>台新銀行@GoGo</strong><strong>?/strong></a>?a href="//www.esunbank.com/zh-tw/personal/credit-card/intro/bank-card/u-bear" target="_blank" rel="noopener"><strong>玉山銀行UBear</strong><strong>?/strong></a>?a href="//www.fubon.com/banking/personal/credit_card/all_card/omiyage/omiyage.htm?fromUrl=IPASS01" target="_blank" rel="noopener"><strong>富邦銀行J</strong><strong>?/strong></a>等信用卡，都是較能接受小白的銀行?/p> </div> </div> <div class="elementor-element elementor-element-44452ed elementor-widget elementor-widget-text-editor" data-id="44452ed" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h4><span style="color: #e7b77b;">選擇「聯名卡」申?/span></h4><p>量販店、數位支付等功能性較強的聯名卡，因為是針對特定族群的客戶開發，因此過件率也會比較高?/p> </div> </div> <div class="elementor-element elementor-element-2e92032 elementor-widget elementor-widget-text-editor" data-id="2e92032" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h4><span style="color: #e7b77b;">選擇「新上市」的信用卡申?/span></h4> 一般來說，<span class="f-point">新上市的信用卡，會為了擴大市占率、衝發卡量，而稍微降低核卡的門?/span>。所以想要信用卡比較好過的話，可以申辦看看新上市的信用卡? </div> </div> <div class="elementor-element elementor-element-3bb1e5b elementor-widget elementor-widget-heading" data-id="3bb1e5b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信用小白辦卡需要注意什麼？</h2> </div> </div> <div class="elementor-element elementor-element-ad2c0a1 elementor-widget elementor-widget-heading" data-id="ad2c0a1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">穩定工作一段時?/h3> </div> </div> <div class="elementor-element elementor-element-a68d9c3 elementor-widget elementor-widget-text-editor" data-id="a68d9c3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span class="f-point">銀行會評估申請人的還款能力決定是否過件，建議穩定工??個月以上後申請，可提高過件率</span>。此外，若在公司行號上班、有固定的工作地點也會加分，這讓銀行在<a href="//danaherbertts.shop/bank-phone-confirm/" target="_blank" rel="noopener"><strong>照會</strong></a>上更方便?/p> </div> </div> <div class="elementor-element elementor-element-28bf8fe2 elementor-widget elementor-widget-heading" data-id="28bf8fe2" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">短期內不要多次申?/h3> </div> </div> <div class="elementor-element elementor-element-4867bd0 elementor-widget elementor-widget-text-editor" data-id="4867bd0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">辦卡紀錄會在信用報告上註記長達3個月</span>，若短期內多次申請，不僅銀行會對你的財務狀況有疑慮，信用分數也會被扣分，導致過件率降低，建?span class="f-point">3個月內不要申請超?張信用卡比較適當</span>? </div> </div> <div class="elementor-element elementor-element-885db40 elementor-widget elementor-widget-heading" data-id="885db40" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">提出存款或學貸、保險紀?/h3> </div> </div> <div class="elementor-element elementor-element-9552242 elementor-widget elementor-widget-text-editor" data-id="9552242" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">假如申請人沒有工作，可用一定金額、一定持有期間以上的定存、定儲，來證明具有還款能?/span>；若是年?8歲的學生，可提出學貸的還款紀錄，或是在欲辦卡的銀行買保險，也可以讓銀行多了解你的信用和狀況? </div> </div> <div class="elementor-element elementor-element-550c10b elementor-widget elementor-widget-text-editor" data-id="550c10b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/proof-of-income/" target="_blank" rel="noopener"><strong>收入證明有哪些？如何申請?/strong></a></b> </div> </div> <div class="elementor-element elementor-element-7ac21ab3 elementor-widget elementor-widget-heading" data-id="7ac21ab3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">如何申請信用卡？</h2> </div> </div> <div class="elementor-element elementor-element-af9b04b elementor-widget elementor-widget-text-editor" data-id="af9b04b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 申請信用卡的方式有銀行臨櫃與線上申請? </div> </div> <div class="elementor-element elementor-element-fe2547c elementor-widget elementor-widget-heading" data-id="fe2547c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">臨櫃申請信用卡流?/h3> </div> </div> <div class="elementor-element elementor-element-f60ff56 elementor-widget elementor-widget-text-editor" data-id="f60ff56" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>備齊相關證明資料文件</strong></li><li><strong>填寫信用卡申請書</strong></li><li><strong>送交銀行等待審核結?/strong></li><li><strong>審核過件後等待取卡通知</strong></li><li><strong>按照說明指示開卡後即可開始使?/strong></li></ol> </div> </div> <div class="elementor-element elementor-element-5e40d4d elementor-widget elementor-widget-image" data-id="5e40d4d" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="1001" height="960" src="//danaherbertts.shop/wp-content/uploads/2021/04/ICCAP.png" class="attachment-1536x1536 size-1536x1536 wp-image-45882" alt="臨櫃申請信用卡流?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/04/ICCAP.png 1001w, //danaherbertts.shop/wp-content/uploads/2021/04/ICCAP-300x288.png 300w, //danaherbertts.shop/wp-content/uploads/2021/04/ICCAP-768x737.png 768w" sizes="(max-width: 1001px) 100vw, 1001px" /> </div> </div> <div class="elementor-element elementor-element-abe61d5 elementor-widget elementor-widget-heading" data-id="abe61d5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">線上申請信用卡流?/h3> </div> </div> <div class="elementor-element elementor-element-db4d693 elementor-widget elementor-widget-text-editor" data-id="db4d693" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>至銀行官網選擇辦理卡?/strong></li><li><strong>填寫個人相關資料</strong></li><li><strong>上傳身分證件及財力證?/strong></li><li><strong>等待銀行審核結?/strong></li><li><strong>審核通過等待銀行寄?/strong></li><li><strong>收件後依照指示開?/strong></li></ol> </div> </div> <div class="elementor-element elementor-element-360b2b9 elementor-widget elementor-widget-image" data-id="360b2b9" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="1001" height="960" src="//danaherbertts.shop/wp-content/uploads/2021/04/OCCAP.png" class="attachment-1536x1536 size-1536x1536 wp-image-45883" alt="線上申請信用卡流?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/04/OCCAP.png 1001w, //danaherbertts.shop/wp-content/uploads/2021/04/OCCAP-300x288.png 300w, //danaherbertts.shop/wp-content/uploads/2021/04/OCCAP-768x737.png 768w" sizes="(max-width: 1001px) 100vw, 1001px" /> </div> </div> <div class="elementor-element elementor-element-215f641 elementor-widget elementor-widget-heading" data-id="215f641" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信用小白如何培養信用評分?/h2> </div> </div> <div class="elementor-element elementor-element-4808113 elementor-widget elementor-widget-text-editor" data-id="4808113" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>每個人都曾經是信用小白，只要循序漸進的培養信用評分，就可以邁向脫白之路了?/p> </div> </div> <div class="elementor-element elementor-element-b4fec5a elementor-widget elementor-widget-text-editor" data-id="b4fec5a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>申辦信用卡：</strong>穩定消費、還款便能累積信用評分，不同銀行推出的信用卡方案不同，建議<span class="f-point">可諮詢專業，並嘗試申請目前對自己條件友善的方?/span>?/li><li><strong>申辦數位帳戶?/strong>現今許多人選擇申請數位帳戶，銀行為了吸引客戶，會降?a href="//danaherbertts.shop/open-an-bank-account/" target="_blank" rel="noopener">開戶</a>門檻，對於小白族群來說相對友善。順利開戶後也能增加自身信用條件?/li><li><strong>工作、薪水穩定入帳：</strong>有些人會問：「辦信用卡戶頭要有多少錢？」，其實並不是戶頭有特定金額才能辦卡?span class="f-point">只要工作和薪轉穩定，證明自身有足夠的還款能力就會得到銀行的信賴?/span>?/li></ul> </div> </div> <div class="elementor-element elementor-element-fccf3ad elementor-widget elementor-widget-heading" data-id="fccf3ad" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信用小白辦卡常見問題</h2> </div> </div> <div class="elementor-element elementor-element-cc52134 elementor-widget elementor-widget-accordion" data-id="cc52134" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2141" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2141" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：申請信用卡後多久能拿到？銀行如何決定信用額度的?/a> </div> <div id="elementor-tab-content-2141" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2141"><p><span class="f-point">從申請、核准到銀行寄發卡片工作日平均?~10?/span>。各銀行收齊相關資料後，並調閱申請人的「聯徵紀錄」，聯徵裡記錄著申請人曾辦過多少信用卡及貸款相關紀錄，銀行將依據申請人的信用評分、收入、職業等，來決定要發多少<a href="//danaherbertts.shop/credit-card-limit/" target="_blank" rel="noopener"><strong>信用卡額?/strong></a>?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2142" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2142" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：信用卡是否有年費？</a> </div> <div id="elementor-tab-content-2142" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2142">一般信用卡會有年費的要求，而且每間發卡銀行的免年費條件都不同，因此在<span class="f-point">辦卡前要多注意此張信用卡是否會常使用、卡片年費金額多少，以及該如何達到免年費的條?/span>，避免額外支出信用卡費?/div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u7533\u8acb\u4fe1\u7528\u5361\u5f8c\u591a\u4e45\u80fd\u62ff\u5230\uff1f\u9280\u884c\u5982\u4f55\u6c7a\u5b9a\u4fe1\u7528\u984d\u5ea6\u7684\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p><span 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rel=\"noopener\"><strong>\u4fe1\u7528\u5361\u984d\u5ea6<\/strong><\/a>\u3002<\/p>"}},{"@type":"Question","name":"Q\uff1a\u4fe1\u7528\u5361\u662f\u5426\u6709\u5e74\u8cbb\uff1f","acceptedAnswer":{"@type":"Answer","text":"\u4e00\u822c\u4fe1\u7528\u5361\u6703\u6709\u5e74\u8cbb\u7684\u8981\u6c42\uff0c\u800c\u4e14\u6bcf\u9593\u767c\u5361\u9280\u884c\u7684\u514d\u5e74\u8cbb\u689d\u4ef6\u90fd\u4e0d\u540c\uff0c\u56e0\u6b64\u5728<span class=\"f-point\">\u8fa6\u5361\u524d\u8981\u591a\u6ce8\u610f\u6b64\u5f35\u4fe1\u7528\u5361\u662f\u5426\u6703\u5e38\u4f7f\u7528\u3001\u5361\u7247\u5e74\u8cbb\u91d1\u984d\u591a\u5c11\uff0c\u4ee5\u53ca\u8a72\u5982\u4f55\u9054\u5230\u514d\u5e74\u8cbb\u7684\u689d\u4ef6<\/span>\uff0c\u907f\u514d\u984d\u5916\u652f\u51fa\u4fe1\u7528\u5361\u8cbb\u3002"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-27fb3207 elementor-widget elementor-widget-heading" data-id="27fb3207" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">結語</h2> </div> </div> <div class="elementor-element elementor-element-50e593b elementor-widget elementor-widget-text-editor" data-id="50e593b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>身為信用小白你並不孤單！在網路上搜尋「信用小白辦卡」，都很容易找到小白辦卡的種種訣竅！順利脫白、累積信用紀錄，未來再辦其他信用卡或申請貸款，也會比較容易過件?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-10e18446 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="10e18446" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7bcf6b72" data-id="7bcf6b72" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1e853a09 elementor-widget elementor-widget-heading" data-id="1e853a09" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">大揚代書24H免費諮詢</p> </div> </div> <div class="elementor-element elementor-element-5d8d7d7e elementor-widget elementor-widget-text-editor" data-id="5d8d7d7e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-32f6bfcb" data-id="32f6bfcb" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-89843cc elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 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href="//danaherbertts.shop/category/share-loan/southern-area-cases/">南部案例</a> </li> <li class="cat-item cat-item-4674"><a href="//danaherbertts.shop/category/share-loan/eastern-area-cases/">東部案例</a> </li> <li class="cat-item cat-item-4675"><a href="//danaherbertts.shop/category/share-loan/offshore-islands-cases/">離島案例</a> </li> </ul> </li> <li class="cat-item cat-item-3771"><a href="//danaherbertts.shop/category/law-knowledge-area/">法律知識</a> </li> <li class="cat-item cat-item-4713"><a href="//danaherbertts.shop/category/financial-knowledge/">認識理財</a> <ul class='children'> <li class="cat-item cat-item-4610"><a href="//danaherbertts.shop/category/financial-knowledge/house-knowledge/">房產知識</a> </li> <li class="cat-item cat-item-2992"><a href="//danaherbertts.shop/category/financial-knowledge/topical-fields/">時事話題</a> </li> <li class="cat-item cat-item-4611"><a href="//danaherbertts.shop/category/financial-knowledge/daily-money-management/">生活理財</a> </li> <li class="cat-item 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href="//danaherbertts.shop/category/loan-guide/bank-loan-area/">銀行貸?/a> </li> </ul> </li> </ul> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/credit-novice-apply-card/">信用小白辦卡攻略！了解?點就能順利辦?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> </channel> </rss>