1. Time-difference foreign exchange gains
The U.S. stock market is plunging early in the morning, regardless of the U.S. CPI consumer price index.
The price of the dollar is going to fluctuate.When I checked the dollar price, Shinhan Bank closed the dollar price at 1,375 won, and when I checked the current dollar price on Investing Dotcom, it exceeded 1,391 won.
Huh? It would be profitable to simply buy $1375 and sell it for $1391?In the meantime, I launched the Shinhan Bank application that I had opened because of Shinhan Card.
When I tried to buy dollars from the foreign exchange menu, the limit I could buy was $2,000.
If you leave 13 won per dollar after deducting the commission fee, it’s 2,000 dollars, so you can just earn 26,000 won in your seat.
You can buy it for $1,375.9 per dollar with preferential commission, so the moment you deposit 2,752,000 won and buy 2,000 dollars…
There is a notification message that only 300,000 won can be withdrawn because it is a limited account.
In other words, you can purchase only 300,000 won worth of goods.
The dollar you can buy for 300,000 won is 218, and if you have 13 won each for a dollar, you can get 2,834 won.
It was the moment when I transformed from a chicken to a bundle of ramen.
Moreover, the problem is that you can only transfer 300,000 won a day with the remaining money after purchasing dollars.
It takes 9 days for 300,000 won a day to deduct the money deposited, and 10 days for the balance.
The fact that I couldn’t buy dollars is even worse than that I couldn’t take out money.
2. Disengaging a Limited Account at a Bank
When I called Shinhan Bank in the morning to lift the limit, they told me to visit the branch with my ID card because it was difficult to guide the necessary documents because the limit was not lifted only through foreign exchange transactions and there was no clear purpose.
I visited the nearest Shinhan Bank with my ID card.
As soon as I entered Shinhan Bank, I was first moved by the service spirit of the guide who welcomed me.
Please guide me to an atm room for one person, saying that the cancellation of the limited account will proceed on video.
영상 상담 모니터
video consultation monitor
영상상담 신분증 스캐너
video consultation ID scanner
If you sit in front of a place that looks like an ATM above, scan your ID card and run a video consultation.
영상 상담 모니터
video consultation monitor
I couldn’t film the counseling video because the counselor’s face came out.
When I said that the purpose of foreign exchange transaction was the purpose, I was rejected, saying that the conditions for releasing the limited account were not met, and I was guided to go to the counter and consult again.
I refused, but I saw a little clue to the solution when I was asked to consult again at the counter.
Each branch seemed to have a nipple.
When I go to the counter, I am informed that it is difficult to lift the limit because there is no salary transfer history and the conditions are not met as discussed earlier.
Shinhan Card is also using well and Shinhan Financial Investment is using Shinhan, saying it is using Shinhan, but you use Kookmin Bank to pay the payment?I received an answer saying that.
Oh! This is it. I will change Shinhan Card payment bank from Kookmin Bank to Shinhan Bank now.
In the future, we will also change other payments that can be changed to Shinhan Bank.Hani will fill out an application for a change to Shinhan Card’s payment bank and upload approval for a limited account.
After filling out the application form, I was informed that it has been changed from Limit Account 1 to Limit Account 2.
Shinhan Bank also has several stages of limiting accounts.
It has been changed to be available online from 300,000 won to 1.5 million won per day.
For your information, the limited account 2 can withdraw 5 million won from the window, 1.5 million won from atm, and 1.5 million won from electronic finance per day.
If the withdrawal is less than 1.5 million won per day, I was informed to apply again after using the payment transfer details for a certain period of time, whether I use installment savings or transferring salaries at Shinhan Bank.
“The staff at the counter also said that the content of the words was not good, but they were so kind that I was moved by it for the second time. ”
I’m satisfied with the fact that it takes 10 days to lose money and I can do it in 2 days.
Also, I’m a little disappointed that I can buy up to 1.5 million won in dollars, but I’m satisfied.
3. Completely unlock your limited account
There was a way to completely unlock the limit account that went beyond the previous step.
The method is to open a credit loan to a limited account and make it a negative account.
If you apply for a loan only for the minimum amount and create a negative account, the limit account will be automatically lifted.
If you don’t take out money as much as you have a negative account, you won’t get interest, and the limit will be lifted, so you can benefit.
When you enter Shinhan Bank’s application Shinhan SOL and apply for a product -> loan -> small credit loan -> convenient emergency fund loan and complete it, the limit-limited account 1 will automatically be changed to a normal account.
You don’t have to go to the bank.
If I had known the third method in advance, I wouldn’t have gone through the previous process, but I think it was a good experience.
Oh! Shinhan Bank cannot exchange it back to won on the same day after purchasing dollars.
You can exchange it again after 1 day.I found out while I was trying it today.
Given the current dollar situation, the dollar is expected to strengthen tomorrow as well, so I think I can earn a bundle of money.
This time, it’s a bunch of ramen, but I’ll definitely earn a chicken next time.
In addition to Shinhan Bank, other banks should also look into these time differences.