신용카드 '혜택'에 숨겨진 '함정들'

<div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin" data-link="https://cafe.daum.net/Duckgu/D49M/288306" data-link-newwindow="_blank"><a href="https://cafe.daum.net/Duckgu/D49M/288306" target="_blank" class="ke-link"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/f431fc3d451837473e4871bb2aa9db1b1e4caf6d" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/f431fc3d451837473e4871bb2aa9db1b1e4caf6d" data-origin-width="1080" data-origin-height="1080"></a><div class="figcaption"></div></div><p style="text-align: center;">방석 위로 모여라 STAYC 윤<br><br>출처 : KBS News 유튜브<br><a href="https://youtu.be/S_oIzLF4vgU" target="_blank" class="ke-link">https://youtu.be/S_oIzLF4vgU</a></p><div class="figure-video" data-ke-type="video" data-video-url="https://www.youtube.com/watch?v=S_oIzLF4vgU" data-video-host="youtube" data-video-play-service="daum_cafe" data-video-width="1280" data-video-height="720" data-ke-style="alignCenter" data-video-thumbnail="http://scrap.kakaocdn.net/dn/bt3XIT/hySgkxahAx/0G8lR21dWD9OTHmY1W9Bq1/img.jpg?width=1280&height=720&face=1134_304_1196_370" data-ke-mobile-mobileStyle="widthFull" data-video-origin-width="0" data-video-origin-height="0"><iframe src="https://www.youtube.com/embed/S_oIzLF4vgU" width="1280" height="720" frameborder="0" scrolling="no" allowfullscreen=""></iframe><div class="figcaption"></div></div><p style="text-align: left;"></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/ae676c03aa11946a6e50170cbf398837060c01d1_re_1681276480575" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/ae676c03aa11946a6e50170cbf398837060c01d1_re_1681276480575" data-origin-width="2553" data-origin-height="1440"></div><p style="text-align: center;"></p><hr data-ke-style="style1"><p style="text-align: center;"><br>리볼빙 : 일부 결제 금액 이월 약정 서비스<br></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/6ea77de1fe66d65c1b7862d101efa252ed826cce_re_1681276480575" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/6ea77de1fe66d65c1b7862d101efa252ed826cce_re_1681276480575" data-origin-width="2553" data-origin-height="299"><div class="figcaption"></div></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/778c59e39cc152e40cf2e32f5eba4f5dabc7cd25_re_1681276480575" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/778c59e39cc152e40cf2e32f5eba4f5dabc7cd25_re_1681276480575" data-origin-width="2558" data-origin-height="1440"></div><p style="text-align: center;">평균 16.5% = 웬만한 신용 대출 이자보다 높은 편</p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/79037a620b38df708142813b1c2722ff799ee546_re_1681276480575" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/79037a620b38df708142813b1c2722ff799ee546_re_1681276480575" data-origin-width="2558" data-origin-height="255"></div><p style="text-align: center;">보통 카드사에서 리볼빙 서비스를 안내하고<br>가입에 동의한다는 말이 나오게끔 유도를 한다고 함<br><br>상담원 이야기 대충 흘려 듣고 "네"만 계속 하지 않아야 하는 이유<br></p><hr data-ke-style="style1"><p style="text-align: center;"><br>무이자<br></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/3c892faf4544e91267fe95cacbfdea0ba7ff87ae_re_1681276480575" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/3c892faf4544e91267fe95cacbfdea0ba7ff87ae_re_1681276480575" data-origin-width="2553" data-origin-height="263"><div class="figcaption"></div></div><p style="text-align: center;">무이자 할부를 통해 받을 수 있는 혜택이 줄어들 수 있다</p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/b9dc74903d38b858675f1ce5e2b0ade517563de5_re_1681276480575" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/b9dc74903d38b858675f1ce5e2b0ade517563de5_re_1681276480575" data-origin-width="2558" data-origin-height="296"></div><p style="text-align: center;">무이자는 대부분 전월 실적 인정 안 됨</p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/52f8cb81acbc9b31e9198ea59a3030158378d75e_re_1681276480576" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/52f8cb81acbc9b31e9198ea59a3030158378d75e_re_1681276480576" data-origin-width="2558" data-origin-height="304"></div><p style="text-align: center;">유이자는 대부분 전월 실적 인정 됨</p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/bf38e37b39cf6ccafae8af0bf10b37a9d6b57572_re_1681276480576" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/bf38e37b39cf6ccafae8af0bf10b37a9d6b57572_re_1681276480576" data-origin-width="2553" data-origin-height="307"></div><p style="text-align: center;">급하게 목돈이 지출될 상황에는 무이자 할부가 필요하겠지만<br>그렇지 않을 경우에는<br>포기해야 될 할인이나 적립 혜택 vs 무이자 할부 혜택 고려할 것<br></p><hr data-ke-style="style1"><p style="text-align: center;"><br>실적<br></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/319c5462c47e2c0b2c5eb66e987663295a93a062_re_1681276480576" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/319c5462c47e2c0b2c5eb66e987663295a93a062_re_1681276480576" data-origin-width="1205" data-origin-height="691"></div><p style="text-align: center;">전월 실적 기준 달성이 됐을까?<br><br>앞서 말했던 무이자 할부 제외해도 35만원=달성?<br>정답은 ❌️<br><br></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/940d525d6eaeeef01f10b6f4efb458a9a5fc6983_re_1681276480576" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/940d525d6eaeeef01f10b6f4efb458a9a5fc6983_re_1681276480576" data-origin-width="1199" data-origin-height="675"></div><p style="text-align: center;">관리비도 제외<br>총 25만원=전월 실적 기준 달성❌️<br><br>그밖에도<br>공과금, 대학등록금, 대중교통비(택시 포함), 상품권 구매, 선불카드 충전 등<br>실적 인정❌️<br><br></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Z3WG/95d678fd2d331bbf64b39bc75e578f6376e75964_re_1681276480576" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Z3WG/95d678fd2d331bbf64b39bc75e578f6376e75964_re_1681276480576" data-origin-width="2558" data-origin-height="296"></div><p style="text-align: center;">카드사마다 다르고 카드사가 같더라도 카드 종류에 따라도 다르니<br>정확한 건 카드사에 들어가서<br>개인 소장 신용카드를 확인해봐야 함<br><br>세상에 공짜는 없다!<br></p><div class="figure-html" data-ke-type="html" data-source="<div class="bg"></div> <style> div, li { background-color: transparent !important;} div > .bg { position: fixed; top:0; left:0; z-index: -1; width: 100%; height: 100%; background: url('https://t1.daumcdn.net/cafeattach/1Y9M4/63f7b334f0b7e16fd0c554b0d3efd89a863ce123') center / cover; opacity: 0.3; } </style>"><div data-ke-class="article"><div class="bg"></div> <style> div, li { background-color: transparent !important;} div > .bg { position: fixed; top:0; left:0; z-index: -1; width: 100%; height: 100%; background: url('https://t1.daumcdn.net/cafeattach/1Y9M4/63f7b334f0b7e16fd0c554b0d3efd89a863ce123') center / cover; opacity: 0.3; } </style></div></div><p style="text-align: left;"></p>