為何銀行老是愛發「點數回饋卡」？像是國泰世華CUBE卡、台新太陽玫瑰卡、玉山Uincard，都是給「銀行點數」而非「現金回饋」，原因何在？

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All About Change

1
Chris Nowinski - Protecting Athletes from Head Injuries & Preventing CTE 27:28

10일 전27:28

나중에 재생

리스트

27:28

Chris Nowinski is a former football player at Harvard University and professional wrestler with WWE, World Wrestling Entertainment. After enduring a career-ending head injury, Chris has dedicated his professional life to serving patients and families affected by brain trauma, particularly Chronic traumatic encephalopathy, or CTE, a progressive neurodegenerative disease that develops after repeated head injuries. Jay and Chris discuss the state of head injuries in American athletics, the difference between advocating for head safety at youth and professional levels, Chris’ newest research, and much more. Episode Chapters (00:00) Intro (00:50) changes in the culture around concussions in the past two decades (02:39) padded helmet technology (03:55) concussion reporting in the NFL (10:35) Chris’ career path and concussion history (14:52) connecting with activists who haven’t themselves suffered a traumatic brain injury (17:42) SHAAKE - a new sign to identify concussions (20:53) Unions can help players advocate for safety policies (23:10) final thoughts and goodbye For video episodes, watch on www.youtube.com/@therudermanfamilyfoundation Stay in touch: X: @JayRuderman | @RudermanFdn LinkedIn: Jay Ruderman | Ruderman Family Foundation Instagram: All About Change Podcast | Ruderman Family Foundation To learn more about the podcast, visit https://allaboutchangepodcast.com/…

寶可孟卡好 « »
為何銀行老是愛發「點數回饋卡」？像是國泰世華CUBE卡、台新太陽玫瑰卡、玉山Uincard，都是給「銀行點數」而非「現金回饋」，原因何在？｜寶可孟卡好S18EP55

약 1년 전 15:49

MP3•에피소드 홈

近年台灣的信用卡市場，回饋機制起了很大的波瀾－「現金回饋卡」已全面消退，銀行大多改發「紅利點數卡」。像是國泰世華銀行，就把全行卡整併成一張「CUBE卡」，主打的就是「3%小樹點(信用卡)回饋無上限」，而台新銀行有樣學樣，也推出自家的新版「台新太陽/玫瑰卡」，主打「3.8%台新Point點數回饋無上限」。而市場老四的玉山銀行也在2024年八月推出自家的點數神卡「玉山Uincard」，最高5%玉山e point點數回饋，大家都往這個方向走啦！但這個不可逆的趨勢，背後的原因是什麼呢？
點數 vs 現金回饋，對消費者來說絕對是後者有益，因為刷卡回饋幾%又幾%都是一翻兩瞪眼的事，回饋入帳就是銀行的成本支出，就算沒有用完掛帳上銀行也不太可能回收(少數銀行有歸零機制，需小心)。而「點數」就更有趣了：點數通常有效期，而且給你之後你就是不會馬上用掉，你可能會等整批有需要時再兌換掉，比如說換哩程、換禮券等等，若你一忙可能超過兌換的效期，白花花的點數就被銀行回收，銀行當然樂得發行點數卡。但對消費者來說，還是「現金回饋」比較好，而「點數回饋」，就得跟銀行鬥智，看誰比較會用啦！如果想知道怎麼用信用卡跟點數回饋，還是來聽寶可孟的節目吧，我都節目中手把手不藏私教你，趕快來收聽！
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