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[汇丰银行] 要不要开通国内汇丰卓越理财账户

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目前手头资金达到国内汇丰卓越理财账户开通要求，同时持有汇丰香港 one 账户，好奇开通国内卓越理财账户后，1.香港账户是否同步更新为卓越理财账户，2.汇丰卓越理财账户对普通人而言最大用处或优点是什么，3.存款放里面定存，比如一年，RMB pa 是多少，资金不达标后转回 one 账户取消卓越账户容易吗

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