google docs/kevin
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Sunday, February 26, 2012
信用卡发卡银行查询
List of Issuer Identification Numbers
有很多境外购物网站不接受国内信用卡，可能是按照这个信息界定的。
如
439225 to 27 - China Merchants Bank Visa Credit Card
有很多境外购物网站不接受国内信用卡，可能是按照这个信息界定的。
如
439225 to 27 - China Merchants Bank Visa Credit Card
prepaid virtual visa/mastercard card
不属于信用卡，属于借记卡，但是在消费时按信用卡消费，没有 PIN。
virtual visa 卡能用在任何接受 visa debit card 的商户
Entropay: virtual visa应该能用，但是费率太高，充值 4.95%，商户打钱1.95%（退款？）。提取还需钱
neteller: 是欧洲的，virtual mastercard. 美国居民不能拥有账户，美国不能使用，中国居民不能拥有账户。注册时要填详细地址。费率低，充值 1.75%。
上面二者使用方法基本相同，有个默认帐户（entropay 为默认卡），消费时使用另外的虚拟卡。退款时，是退回默认账户。
Giftcards.com virtual visa card
费用最低，但是不能 reload :(
关于消费退款:
Each merchant location has its own return policies and will handle the returns in the same manner as any other debit card transaction. They may credit your gift card account, provide a cash refund, or issue a store credit. Please note, GiftCards.com is not responsible for returns or credits onto your gift card; you are solely responsible for working directly with the merchant that you are requesting a refund or credit for previously purchased items. If the full balance of your gift card is used for a purchase, making the balance $0.00, the gift card account will automatically be closed. Should you return the merchandise purchased on your gift card after the account is closed, we will reissue a gift card for a $4.95 fee, which is deducted from the gift card value.
virtual visa 卡能用在任何接受 visa debit card 的商户
Entropay: virtual visa应该能用，但是费率太高，充值 4.95%，商户打钱1.95%（退款？）。提取还需钱
neteller: 是欧洲的，virtual mastercard. 美国居民不能拥有账户，美国不能使用，中国居民不能拥有账户。注册时要填详细地址。费率低，充值 1.75%。
上面二者使用方法基本相同，有个默认帐户（entropay 为默认卡），消费时使用另外的虚拟卡。退款时，是退回默认账户。
Giftcards.com virtual visa card
费用最低，但是不能 reload :(
关于消费退款:
Each merchant location has its own return policies and will handle the returns in the same manner as any other debit card transaction. They may credit your gift card account, provide a cash refund, or issue a store credit. Please note, GiftCards.com is not responsible for returns or credits onto your gift card; you are solely responsible for working directly with the merchant that you are requesting a refund or credit for previously purchased items. If the full balance of your gift card is used for a purchase, making the balance $0.00, the gift card account will automatically be closed. Should you return the merchandise purchased on your gift card after the account is closed, we will reissue a gift card for a $4.95 fee, which is deducted from the gift card value.
| Gift Card Value | Gift Card Process/Print Fee | Usage Fees |
|---|---|---|
| $20.00 - $74.99 | $2.95 | $0 |
| $75.00 - $249.99 | $3.95 | $0 |
| $250.00 - $500.00 | $4.95 | $0 |
借记卡消费
Can you use a debit card online?Saturday, February 25, 2012
招行信用卡账单分期付款之利息
招行信用卡账单分期付款，无利息，只算手续费。
3期手续费为2.6%
设消费3000元，时间为 1/16 - 2/15
账单日 3/3，账单日当日进行3期分期付款，则手续费为78元
4/3 缴纳 1000+78
5/3 缴纳 1000
6/3 缴纳 1000
对于消费者来讲，3/3 借款3000，分3期偿还，类似于年金现值，只不过首期还需偿还手续费。算了一下，实际月息约为 1.32%
3期手续费为2.6%
设消费3000元，时间为 1/16 - 2/15
账单日 3/3，账单日当日进行3期分期付款，则手续费为78元
4/3 缴纳 1000+78
5/3 缴纳 1000
6/3 缴纳 1000
对于消费者来讲，3/3 借款3000，分3期偿还，类似于年金现值，只不过首期还需偿还手续费。算了一下，实际月息约为 1.32%
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