Coles Mastercard 用户，收到邮件，给了一个免息分期的offer。
提取了关键信息是：金额是2,500 ~ 25,000，cash打到银行账户，利率是 0% p.a. interest，但是有手续费 0% p.a. interest is charged, with a one-off upfront fee of either: 0.99% for a 6-month term or 1.99% for a 12-month term
这些钱分期6个月或者12个月，跟着信用卡账单还款。
额外有个bonus，给$125 Flybuys dollars
我现在家庭经济状况是基本上收支平衡，能攒一点钱，小钱够花，大钱没有。
现在的想法是：
1. 取个2w出来，放在银行吃利息，现在ANZ plus的利息是3.75%
2. 取个2w出来，再添一点换个车。现在是5座sedan，想换个7座MPV，不过二手车价格过高，新车等得太久，所以还在犹豫。
3. 忽略这个offer，继续现在生活，慢慢攒钱。
求教大神们，Coles给的这个offer怎么样，有人用过类似产品吗？怎样才是健康合理的理财计划？还有没有其他想法？
欢迎提供建议和讨论。
感谢！
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only your shopping amount; not 25K
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Thanks for the reply. It's up to 90% of the available credit limit. For me, it's around 25k.
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your spending. not you credit limit
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存利息应该能赚几百，记住每月要还钱2000+就行
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现在极少有cash advance到你账上
估计你的balance transfer 你可以拿来还其他信用卡 建议你在仔细看看T&C
or maybe现在有新的产品
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1.99% for a 12-month
that is 4% per year.
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Thanks for the reply. It's a one-off upfront service fee. 400 for a 20k and 12-month instalment plan, or 200 for a 6-month plan.
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谢谢！我仔细看了，是Cash Instalment Plan，取钱出来分期还，免息但是有手续费。我觉得目前利率真么高的情况下，怎么有这种好事儿，所以拿不准，想听听大家的意见。我贴在下面一个 T&C
A Cash Instalment Plan allows you to draw down an amount on your existing credit card Account. Offers are subject to eligibility and only available if your Account is and remains in good standing. Your Cash Instalment Plan may not exceed 90% of your Available Credit. As you pay off your Cash Instalment Plan, the amount you pay off will become available for you to use again as part of your Available Credit at the standard Annual Percentage Rate applicable to your Account. The Instalment Plan fee will be charged to your Account when your Fixed Payment Option (also called an FPO or Instalment Plan) is set up. It will form part of the Minimum Payment Due and will be shown on your statement for the Cycle in which you set up your Instalment. For the full terms and conditions that apply to Instalment Plans, please refer to the Coles Mastercard Terms and Conditions and Other Important Information found at coles.com.au/mastercard-terms-conditions.
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发现了ozbargain的讨论，差不多的offer
http://www.ozbargain.com.au/node/612912
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如果楼主有citibank的rewards卡这个和payall一起用把导出的20k每月搞20k points = $100 gift card
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