Kartu Kredit Premium: Waspada Jebakan Penempatan Dana

Banyak orang tahu bahwa kartu kredit premium menawarkan manfaat yang bagus, tetapi tidak semua orang bisa memilikinya. Biasanya, untuk bisa memiliki kartu kredit premium, kita harus terlebih dahulu menjadi nasabah segmen prioritas atau memiliki hubungan khusus dengan pihak bank. Maklum, TIDAK ADA MAKAN SIANG YANG GRATIS. Kita mau sesuatu yang bagus, kita juga harus mendapatkannya dengan ‘harga’ yang mahal dong?

Cerita Proses Pengajuan yang Unik di Satu Bank

Masalahnya, belakangan ini banyak cerita unik terkait dengan proses pengajuan kartu kredit premium di SATU BANK, dimana SATU BANK meminta nasabah untuk membeli produk deposito, surat berharga negara, atau asuransi (yang semuanya memiliki masa kunci atau lock-in period). Namun kemudian, SATU BANK MENOLAK pengajuan kartu kredit nasabah tersebut.

Seiring dengan semakin ketatnya persaingan di dunia perbankan, beberapa bank mungkin mengadopsi strategi ini untuk meningkatkan penjualan produk lainnya. Namun, bagi calon pemegang kartu, perlu kewaspadaan ekstra terhadap kondisi dan persyaratan yang mungkin tersembunyi dalam proses pengajuan.

Peran Penting Referensi dalam Pengajuan Kartu Kredit

Memang sih, pengajuan kartu kredit itu beda wewenang dengan marketing cabang. Namun, biasanya referensi dari staf marketing atau kepala cabang menjadi syarat auto-approve untuk pengajuan kartu kredit premium. Dalam kasus saya misalnya, selama memiliki saldo rekening 500 juta di rekening CIMB Preferred, pengajuan kartu Accor World saya diterima dalam 1 hari.

Menyikapi Syarat Pembelian Produk Investasi

Jadi, saran saya, kalau ada syarat pembelian produk investasi untuk mengajukan kartu kredit, maka MINTA KOMITMEN TERTULIS (dalam bentuk chat, email, dsb) untuk melakukan tuntutan kemudian hari bila pengajuan kita ditolak. Jangan menerima jaminan verbal lewat omongan atau telepon. Pastikan untuk melakukan riset mendalam sebelum mengajukan kartu kredit. Jangan lupa juga untuk selalu bertanya lebih lanjut tentang syarat dan ketentuan yang mungkin terkait dengan produk tersebut. Semoga Anda berhasil mendapatkan kartu kredit premium yang anda incar! Cek dan klik di sini untuk menampilkan artikel mengenai kartu kredit lainnya.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

17 Comments

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