Waived if you use electronic statement and not paper statements.
If you’re paying with diy installment (means you pay an amount less than full but more than minimum) it will affect your credit score. Using installment purchase you can pay full every month and so it will not impact your credit score.
Keep this in mind when you’re building up credit. It’s important because your interest rate is tied to your credit, and it lowers when you demonstrate good credit.
I see some have such low interest rate that doing a bill installment (post purchase) actually makes much more sense.
I don’t think it makes any sense.
They have “special rates” for installments. All of which are higher than my month to month rate…
The only thing that made sense was Citibank’s 3 month installment promotion with 0% interest or fees (that ended mid last year)
Another thing that makes sense is doing it pre purchase where most stores (including scooter dealerships) will do it interest free!
That’s what I do. Pre purchase installment is done a lot here and it makes sense for larger purchase.
But most stores (there may be exceptions) adds a small fee when you do this.
Sure it’ll affect your credit score (whereas the blocked balance under credit card installment plans doesn’t count toward credit utilization IIUC (?), though it doesn’t really matter for what I’m saying)… but so what?
I still don’t see how it makes it worthwhile to accept bad deals where you ultimately end up paying more just to avoid affecting your credit score. I understand it’s only a few hundred TWD here and there, but then that’s how the lenders suck people into these schemes.
Especially when it comes to non-essential items like graphics cards/computer equipment for playing games. I also wouldn’t mind a newer computer (the one I’m typing this on is ancient), but I think there are more responsible things I could do with my money, and paying extra fees to buy one on credit doesn’t seem a great idea at all.
And especially when someone doesn’t have much money. Not affecting your credit score sounds good, but avoiding unnecessary fees to reduce your overall spending seems way more important.
I think you should stop referring to this fee as “small”. It’s really not. A surcharge of 5% is quite a lot.
Just realized… my whole desktop computer costs about that much…
Could I afford much better? Yes.
Do I “need” a 12,000ntd graphic card so much that I’ll put it on a payment plan? No
@Taiwan_Luthiers do you need that graphics card for your business? If so I would understand a lot more
Don’t know what PC you use, but if it’s for casual web browsing and word processing almost anything will do.
But I been wanting better graphics card for a while because my last one wasn’t any good.
I bought a second-hand desktop for <NT$10k in around 2017/18. It’s obviously not state of the art anymore, but it works just fine. I’ve honestly been kind of waiting for it to die the last several years to force me to buy a new one, but that hasn’t happened yet and until it does I can’t really justify it. I added another hard drive and monitors at some point, and I have a relatively new laptop I seldom use as a backup.
I believe that TL’s computing requirements (not wants) for his side work (translation) are pretty similar to mine. I understand from other posts that the recent upgrades bought on credit are just about playing games, but he’s welcome to correct me if that’s wrong. If there’s a legitimate work need, I could also understand it, but if work isn’t going well and it’s just about playing games, I really can’t…
Honestly, what I do with my PC is nobody’s business but mine.
It needed updating because it was getting slow.
Actually I bought the card with the idea that I have money coming and I could pay for it in installment rather than all at once. It was night and day with games. Now cyberpunk 2077 is very smooth with everything on ultra, raytrace on, and all that.
Do I need it? No. But there’s very few things in life I actually need.
Oh absolutely true. And trust me when I say that I have little interest in knowing what you get up to on your PC. 
The main thing I’ve been disagreeing with here is that installment plans involving additional fees are a “no-brainer”, especially for non-essential purchases. You’ve been presenting this as a good deal, and I don’t think it is.
From what I understand you’re also getting (or have been) kicked out of your shop and were looking to get rid of (or have gotten rid of) your cats because you couldn’t afford to house them anymore, and it’s in this context that I personally have a hard time seeing how buying multiple non-essential items on installment plans such as to play Cyberpunk 2077 faster is a wise decision. It is 100% your decision though, and not really my business like you say.
I’ve also been told the same.
Can anyone confirm they got a Fubon card with photo on? Thanks
I got my Fubon card with my photo on it. I’m not a foreigner though. But I believe this poster is. Change page number at top of screen to 127 from 172
He got the Titanium business card as as foreigner.
300k limit? Baller
Fubon has be very generous with limits on the Titanium card. I supplied no documentation and got a NT$250k limit. I was pretty stoked with that limit far more than I want really.
Probably good anyways because I think they measure your credit score based on % of credit card you fill. So if you are close to maxing them out it’s bad for credit, whereas if you are less than 1/3 max then it’s good.
Only significant if you are wanting to get loans and stuff though.
Financial institutions make income by lending money. The more you borrow and can repay the better. Using your credit card where you use most of your credit limit is not bad for credit rating when you pay your debts off.
It’s all taken into account. Say if you put 30,000nt on your card every month, and pays it off immediately. It’s much better for your credit if your limit is 100,000 than 30,000. They don’t like you maxing your card all the time even if it’s for an instant.
But I think if you shown history of paying them off all the time you can ask for increases and you will often get it. When I had my first card with Bank of America I only had a 700 dollar limit but was able to get it to 1500 dollars over time.
One time I had a cash advance only card with Chinatrust that had a limit of 30,000nt (standard) and the one day the limit was increased to 150,000nt for no reason.
What’s the advantage of this? I don’t really get the point. Does it just mean that you don’t need to take your Costco card separately when you’re shopping in Costco, but otherwise they function identically?
Yep, that’s it, one less card in the wallet.
Unless u use costco app for the virtual card, very handy too
Yup, I use the Costco app, no need to carry both the cards… Very convenient.