北美的卡友应该知道Plastiq是什么,略过不表。
2019年到2020年初的时候,Plastiq的offer还是很多的,优惠费率1%和1.5%都出现过。印象尤其深的是2019年,建行1%笔笔返叠加8%返现,而Plastiq里面并没有把我的建行卡识别为国外卡,享受了Plastiq几个月的1%低费率。
然而2020年初之后,据说Plastiq被收购了,其抠无比,费率上调为2.85%,而且不发offer了。如果用国内卡的话,加1%就是3.95%。谁用谁傻。
估计现在业绩不行了,终于开始发offer, "It's been a while since you last made a payment with Plastiq on xxx xxx. We'd love for you to come back and make another Plastiq payment with this special offer. From now till January 31, 2021, earn 125 Fee-Free Dollars (FFD) for every $1,000 in payments you make on Plastiq. The more payments you make, the more FFDs you earn, and the more fees you can eliminate. "
还要面子,给自己一块遮羞布:不减收费,给FFD。计算器按了一下:就是把2.85%的费率降到2.49%而已,2.49% = 2.85% * (1-12.5%)。这优惠幅度太小了,继续忽略。看Plastiq还能撑多久 ...