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碌盡信用卡優惠 慳家老闆黃浩 Wee Ho – Expert of Credit cards

2016-08-11

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父母自小已經熏陶和灌輸財技,黃浩說,父親教導他一定要同銀行做好朋友,閒時可向銀行申請信用卡和借小額貸款,才能有紀錄建立信用。他曾開立超過10個銀行戶口,「一來要試,睇下邊個對我好,表現積極就揀佢;二來係分散投資。」

如何管理如此大量信用卡?他坦言,最開始都會用張A4紙列出每張卡的截數日和碌卡最賺積分日。

黃浩指出,一定不會要現金回贈或兌換禮券,而最抵的兌換方式是購買一張經濟艙機票後,再用積分升級至商務艙。如換購澳洲來回機票,3.5萬積分可以當2萬元使用,等於近5%回贈,但市面優惠最多只有1%;而且該段旅程還可儲到飛行里數及航班程數,便能維持馬可孛羅鑽石會籍,很多時有助升級至頭等艙。

除了經常做「空中飛人」傾生意,他入住海外酒店都用盡會籍優惠。「同一集團酒店每年累積入住25次或50晚,就可以維持鑽石會籍,可以升級三至四級嘅房。咁我玩搬酒店儲夠不同集團嘅次數,四晚住四間酒店,咁住最頂級嘅房每晚要兩萬蚊,我只係需要8,000蚊,仲有好多嘢送。」

同樣的妙法,黃浩還應用於商場消費,必定蓋印享受免費泊車,起初太太都不能理解,但他說:「呢啲係我應得嘅,既然有得慳番90蚊,等於5%回贈,點解唔攞?」他食飯聚會通常光顧可減免開瓶費的餐廳,「我一定會自備支酒,就算計埋開瓶費,都仲平過喺嗰度開酒一大截。又好少會叫貴價海鮮,我識好多供應商,攞返嚟煮,只需要出五分一價錢就食到。」

Parents have been influencing and planting positive ideas of money investment since Kenny was little. Kenny says that his father taught him to remain good relationship with banks, to apply credit cards and small loan regularly to build credibility. Kenny has once created ten bank accounts for himself, ‘’ I can see through-roughly which is more suitable for me to stay long term relationship with also this also is a way of diversify investment.

Kenny has his own way to manage his credit cards. He will make notes to remember the cut-off day and the day that can reward the most bonus of each credit card.

Kenny points out that, do not rely on cash back and gift redemption. The most beneficial redeem is to purchase a economy flight ticket, then to upgrade it to business class with miles. If to redeem a round-trip airfare to Australia, 35000 points can be used as twenty thousand dollars, equivalent to nearly 5% rebate when normally can just get 1% rebate. This can help to remain Marco Polo Diamond membership also could be upgrade to first class.

Moreover, Kenny also would apply the similar method to get the best benefits via memberships. ‘’ Hotels that are under the same group, accumulate total 25 or 50 check-in, you can maintain the diamond membership, to upgrade the rooms of three or four class. Meaning if I stay in the top room of four different hotel for four nights will need to spend fouty thousand, now I will only need to pay eight thousand.’’ Kenny explains.

Kenny will also apply on consumption in malls, he must get free parking, he says ‘’ I deserve this, if I can save $90 which equal to 5% rebate, why not?’’ He also will bring his own bottles to dinner to save the unnecessary spending, also he will order seafood from suppliers which must be cheaper than ordering in restaurants.

2013年3月10日

http://hk.apple.nextmedia.com/financeestate/art/20130310/18190219

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