{"id":43,"date":"2021-02-26T03:45:20","date_gmt":"2021-02-26T11:45:20","guid":{"rendered":"https:\/\/www.xiaojeff.com\/?p=43"},"modified":"2024-01-03T14:14:10","modified_gmt":"2024-01-03T22:14:10","slug":"first-credit-card","status":"publish","type":"post","link":"https:\/\/www.xiaojeff.com\/first-credit-card\/","title":{"rendered":"\u3010\u65b0\u624b\u6559\u5b78\u3011\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u8a72\u600e\u9ebc\u9078\uff1f(2024) \u7559\u5b78\u751f\/\u7da0\u5361\/\u516c\u6c11\u90fd\u9069\u7528"},"content":{"rendered":"\n<p><strong>\u4f60\u5728\u8003\u616e\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u55ce\uff1f<\/strong><\/p>\n\n\n\n<p>\u5e02\u9762\u4e0a\u90a3\u9ebc\u591a\u5bb6\u9280\u884c\u3001\u90a3\u9ebc\u591a\u5bb6\u4fe1\u7528\u5361\u516c\u53f8\uff0c\u5230\u5e95\u8981\u600e\u9ebc\u9078\u5462\uff1f<\/p>\n\n\n\n<p>\u9019\u7bc7\u6587\u7ae0\u6703\u544a\u8a34\u4f60<strong>\u70ba\u4ec0\u9ebc\u8981\u8fa6\u7f8e\u570b\u4fe1\u7528\u5361<\/strong>\uff0c\u4e26\u6559\u4f60<strong>\u5982\u4f55\u9078\u64c7\u9069\u5408\u4f60\u7684\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361<\/strong>\uff0c\u53ea\u8981\u6b63\u78ba\u7684\u4f7f\u7528\uff0c\u6bcf\u5e74\u53ef\u4ee5\u5e6b\u4f60\u7701\u4e0b\u5f88\u591a\u9322\uff0c\u751a\u81f3\u53ef\u4ee5\u5e6b\u4f60\u8cfa\u5230\u514d\u8cbb\u7684\u56de\u570b\u6a5f\u7968\uff01<\/p>\n\n\n\n<p>\u5982\u679c\u60f3\u76f4\u63a5\u77e5\u9053\u54ea\u4e00\u5f35\u4fe1\u7528\u5361\u7684\u670b\u53cb\uff0c\u53ef\u4ee5\u76f4\u63a5\u9ede\u9078\u4e0b\u65b9\u76ee\u9304\uff1a\u201c<a href=\"#\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7d50\u8ad6\">\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7d50\u8ad6<\/a>\u201d \u76f4\u63a5\u89c0\u770b<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">\u6587\u7ae0\u76ee\u9304<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6612432235b14\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" 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title=\"4\u500b\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u7a2e\u985e\">4\u500b\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u7a2e\u985e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%A6%8F%E5%88%A9\" title=\"\u4fe1\u7528\u5361\u7684\u798f\u5229\">\u4fe1\u7528\u5361\u7684\u798f\u5229<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%B0%A1%E4%BB%8B\" title=\"\u4fe1\u7528\u5361\u7684\u7c21\u4ecb\">\u4fe1\u7528\u5361\u7684\u7c21\u4ecb<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E7%AC%AC%E4%B8%80%E5%BC%B5%E7%BE%8E%E5%9C%8B%E4%BF%A1%E7%94%A8%E5%8D%A1\" title=\"\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\">\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E6%8B%BF%E5%88%B0%E7%AC%AC%E4%B8%80%E5%BC%B5%E5%8D%A1%E7%9A%843%E7%A8%AE%E6%96%B9%E5%BC%8F\" title=\"\u62ff\u5230\u7b2c\u4e00\u5f35\u5361\u76843\u7a2e\u65b9\u5f0f\">\u62ff\u5230\u7b2c\u4e00\u5f35\u5361\u76843\u7a2e\u65b9\u5f0f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E6%9C%89SSN_%E6%89%8D%E5%8F%AF%E4%BB%A5%E7%94%B3%E8%AB%8B%EF%BC%9A\" title=\"\u6709SSN \u624d\u53ef\u4ee5\u7533\u8acb\uff1a\">\u6709SSN \u624d\u53ef\u4ee5\u7533\u8acb\uff1a<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#Discover_IT\" title=\"Discover I.T.\">Discover I.T.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E6%B2%92%E6%9C%89_SSN_%E4%B9%9F%E5%8F%AF%E4%BB%A5%E7%94%B3%E8%AB%8B%E7%9A%84%E4%BF%A1%E7%94%A8%E5%8D%A1%EF%BC%9A\" title=\"\u6c92\u6709 SSN \u4e5f\u53ef\u4ee5\u7533\u8acb\u7684\u4fe1\u7528\u5361\uff1a\">\u6c92\u6709 SSN \u4e5f\u53ef\u4ee5\u7533\u8acb\u7684\u4fe1\u7528\u5361\uff1a<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#BoA_Cash_Back_Rewards\" title=\"BoA Cash Back Rewards\">BoA Cash Back Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#Deserve_Edu\" title=\"Deserve Edu\">Deserve Edu<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E7%94%B3%E8%AB%8B%E7%AC%AC%E4%B8%80%E5%BC%B5%E7%BE%8E%E5%9C%8B%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B5%90%E8%AB%96\" title=\"\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7d50\u8ad6\">\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E5%B0%8F%E6%9D%B0%E5%A4%ABInstagram%E6%96%B0%E8%81%9E\" title=\"\u5c0f\u6770\u592bInstagram\u65b0\u805e\">\u5c0f\u6770\u592bInstagram\u65b0\u805e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#Q_A\" title=\"Q&amp;A\">Q&amp;A<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E9%81%B8%E6%93%87%E4%B8%80%EF%BC%9AChase_Freedom_Flex\" title=\"\u9078\u64c7\u4e00\uff1aChase Freedom Flex\">\u9078\u64c7\u4e00\uff1aChase Freedom Flex<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/#%E9%81%B8%E6%93%87%E4%BA%8C%EF%BC%9AAmerican_Express_Gold_Amex_Gold\" title=\"\u9078\u64c7\u4e8c\uff1aAmerican Express Gold (Amex Gold)\">\u9078\u64c7\u4e8c\uff1aAmerican Express Gold (Amex Gold)<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%82%BA%E4%BB%80%E9%BA%BC%E8%A6%81%E8%BE%A6%E7%BE%8E%E5%9C%8B%E4%BF%A1%E7%94%A8%E5%8D%A1%EF%BC%9F\"><\/span><strong>\u70ba\u4ec0\u9ebc\u8981\u8fa6\u7f8e\u570b\u4fe1\u7528\u5361\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4f60\u6703\u767c\u73fe\u5728\u7f8e\u570b\uff0c\u4eba\u624b\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u751a\u81f3\u4e00\u500b\u4eba\u6709\u597d\u5e7e\u5f35\u4e0d\u540c\u529f\u80fd\u7684\u4fe1\u7528\u5361\u3002\u56e0\u70ba\u6b63\u78ba\u7684\u4f7f\u7528\u4e0d\u540c\u529f\u80fd\u7684\u4fe1\u7528\u5361\uff0c\u4e0d\u4f46\u53ef\u4ee5\u5e6b\u4f60\u7701\u9322\uff0c\u9577\u671f\u9084\u53ef\u4ee5\u5e6b\u4f60\u6253\u9020<strong>\u597d\u7684\u4fe1\u7528\u7a4d\u5206<\/strong>\uff0c\u800c\u8b93\u4f60\u5728\u79df\u623f\u3001\u8cb7\u8eca\u3001\u8cb7\u623f\uff0c\u64c1\u6709\u66f4\u4f4e\u7684\u5229\u7387\uff0c\u751a\u81f3\u53ef\u4ee5\u514c\u63db\u5230\u514d\u8cbb\u7684\u56de\u570b\u7684\u6a5f\u7968\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E8%BE%A6%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%842%E5%80%8B%E5%A5%BD%E8%99%95%EF%BC%9A\"><\/span><strong>\u8fa6\u4fe1\u7528\u5361\u76842\u500b\u597d\u8655\uff1a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u597d\u8655\u4e00\uff1a\u4fe1\u7528\u7d2f\u7a4d<\/strong><\/h4>\n\n\n\n<p>\u7f8e\u570b\u4eba\u5f88\u5728\u610f\u4fe1\u7528\u7a4d\u5206\uff0c\u4e0d\u7ba1\u5728\u8cb7\u8eca\u8cb7\u623f\u79df\u623f\uff0c\u90fd\u6703\u770b\u4f60\u7684\u4fe1\u7528\u7a4d\u5206\u4f86\u6279\u51c6\u4f60\u9019\u4e9b\u5927\u7b46\u7684\u8ca1\u52d9\u6d88\u8cbb\u3002\u800c\u7d2f\u7a4d\u4fe1\u7528\u7a4d\u5206\u7684\u7b2c\u4e00\u6b65\uff0c\u4e14\u6700\u7c21\u55ae\u7684\u4e00\u6b65\uff0c\u5c31\u662f\u64c1\u6709\u7f8e\u570b\u4fe1\u7528\u5361\uff0c\u4e26\u6b63\u78ba\u7684\u4f7f\u7528\u3002<\/p>\n\n\n\n<p><strong>\u6ce8\u610f\uff1a<\/strong>\u4fe1\u7528\u662f\u7531\u4e00\u500b\u500b\u501f\u9322\u4e26\u6e96\u6642\u9084\u9322\u7684\u7d00\u9304\u7d2f\u7a4d\u800c\u6210\u7684\u3002\u800c\u5c0d\u521d\u5b78\u8005\u4f86\u8aaa\u6700\u7c21\u55ae\u7684\u65b9\u5f0f\uff0c\u5c31\u662f\u5229\u7528\u4fe1\u7528\u5361\u652f\u4ed8\u4f60\u65e5\u5e38\u958b\u92b7\uff0c\u4e26\u6e96\u6642\u7e73\u6e05\u6bcf\u500b\u6708\u7684\u5e33\u55ae\u3002<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.xiaojeff.com\/what-is-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5ef6\u4f38\u95b1\u8b80\uff1a\u3010\u65b0\u624b\u6559\u5b78\u3011\u7f8e\u570b\u4fe1\u7528\u5206\u6578\u662f\u4ec0\u9ebc\uff1fCredit Score\/Credit Report\u5b8c\u6574\u4ecb\u7d39<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u597d\u8655\u4e8c\uff1a\u8cfa\u53d6\u56de\u994b<\/strong><\/h4>\n\n\n\n<p>\u7f8e\u570b\u4fe1\u7528\u5361\u6709\u5404\u7a2e\u56de\u994b\uff0c\u6709\u73fe\u91d1\u548c\u9ede\u6578\u56de\u994b\uff0c\u800c\u4f60\u5e73\u6642\u7684\u751f\u6d3b\u958b\u92b7\uff0c\u5176\u4e2d\u7684 1%-6% \u5c07\u6703\u7d66\u4f60<strong>\u514d\u8cbb\u7684\u73fe\u91d1\u56de\u994b<\/strong>\uff0c\u800c\u9ede\u6578\u4f60\u53ef\u4ee5\u62ff\u4f86\u63db\u514d\u8cbb\u7684\u56de\u570b\u6a5f\u7968\u3002\u6709\u4e9b\u4fe1\u7528\u5361\u751a\u81f3\u5728\u4f60\u7533\u8acb\u6210\u529f\u5f8c\uff0c\u6703\u514d\u8cbb\u8d08\u9001\u5e7e\u767e\u7f8e\u5143\u7684\u958b\u5361\u734e\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E5%9F%BA%E6%9C%AC%E4%BB%8B%E7%B4%B9\"><\/span><strong>\u4fe1\u7528\u5361\u7684\u57fa\u672c\u4ecb\u7d39<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4%E5%80%8B%E7%BE%8E%E5%9C%8B%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%A8%AE%E9%A1%9E\"><\/span><strong>4\u500b\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u7a2e\u985e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><img decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/visa-mastercard-amex-discover.png\" alt=\"visa-mastercard-amex-discover-img\" class=\"wp-image-47\" style=\"width:350px;height:75px\" width=\"350\" height=\"75\" title=\"visa-master-amex-discover\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">\u7f8e\u570b\u4fe1\u7528\u5361\u4e3b\u8981\u5206\u70ba\u4ee5\u4e0b4\u7a2e\uff1a<\/h4>\n\n\n\n<ol>\n<li><strong>Visa<\/strong><\/li>\n\n\n\n<li><strong>MasterCard(MC)<\/strong><\/li>\n\n\n\n<li><strong>American Express(Amex)<\/strong><\/li>\n\n\n\n<li><strong>Discover<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Visa, MasterCard \u501f\u52a9\u9280\u884c\u767c\u884c\u7684\u4fe1\u7528\u5361, \u5305\u62ecChase, Wells Fargo, Bank of America (BoA)<br>Discover, Amex \u6703\u76f4\u63a5\u767c\u884c\u4fe1\u7528\u5361<\/p>\n\n\n\n<p>\u8981\u6ce8\u610f\u7684\u662f\uff1a<strong>Discover \u548c\u4e2d\u570b\u9280\u806f\u6709\u5408\u4f5c\u95dc\u4fc2\uff0c\u56de\u570b\u7684\u6642\u5019\u5237\u5361\u6703\u66f4\u65b9\u4fbf <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><img decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/union-pay-img-1024x640.png\" alt=\"\" class=\"wp-image-48\" style=\"width:100px;height:50px\" width=\"100\" height=\"50\"\/><figcaption class=\"wp-element-caption\">\u4e2d\u570b\u9280\u806f\u5716\u7247<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%A6%8F%E5%88%A9\"><\/span><strong>\u4fe1\u7528\u5361\u7684\u798f\u5229<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul>\n<li><strong>Welcome Bonus \u958b\u5361\u79ae<\/strong>\uff1a\u9054\u5230\u7279\u5b9a\u6d88\u8cbb\u91d1\u984d\uff0c\u984d\u5916\u9001\u7684\u734e\u52f5\u3002\u4f8b\u5982\uff1a\u958b\u53613\u500b\u6708\u5167\uff0c\u6d88\u8cbb\u6eff 500\u7f8e\u91d1\uff0c\u9001200\u7f8e\u91d1\u3002<\/li>\n\n\n\n<li><strong>Cash Back \u53cd\u73fe<\/strong>\uff08\u73fe\u91d1\u56de\u994b\uff09\u3002\u4ee5 5% cash back \u70ba\u4f8b\u5b50\uff1a\u4eca\u5929\u4f60\u4e00\u500b\u6708\u5237 $1000 \u7f8e\u5143\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u5c31\u6703\u7d66\u4f60 $50 \u7f8e\u5143\u7684\u73fe\u91d1\u56de\u994b\u3002<\/li>\n\n\n\n<li><strong>Fraudulent\/unauthorized Charge \u88ab\u76dc\u5237<\/strong>\uff1a\u7576\u4f60\u7684\u5361\u88ab\u5077\uff0c\u6216\u88ab\u76dc\u5237\uff0c\u9280\u884c\u6703\u5e6b\u4f60\u628a\u76dc\u5237\u7684\u9322\u627e\u56de\u4f86\u9084\u7d66\u4f60\u3002&nbsp;<\/li>\n\n\n\n<li><strong>Phone Insurance \u624b\u6a5f\u4fdd\u96aa<\/strong>\uff1a\u4fe1\u7528\u5361\u7e73\u96fb\u8a71\u5e33\u55ae\uff0c\u624b\u6a5f\u51fa\u554f\u984c\uff0c\u53ef\u4ee5\u8ddf\u4fe1\u7528\u5361\u516c\u53f8\u7406\u8ce0\u3002<\/li>\n\n\n\n<li><strong>Travel Insurance \u65c5\u904a\u4fdd\u96aa<\/strong>\uff1a\u7528\u4fe1\u7528\u5361\u8cfc\u8cb7\u6a5f\u7968\u6642\uff0c\u53ef\u4ee5\u7372\u5f97\u514d\u8cbb\u98db\u6a5f\u5ef6\u8aa4\uff0c\u610f\u5916\u96aa\uff0c\u884c\u674e\u907a\u5931\u96aa\u3002<\/li>\n\n\n\n<li>\u9084\u6709\u5f88\u591a\uff0c\u597d\u8655\u5217\u4e0d\u5b8c<br><br>\u9019\u9ebc\u591a\u514d\u8cbb\u7684\u798f\u5229\uff0c\u4f60\u9084\u5728\u7b49\u4ec0\u9ebc\u5462\uff01<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%9A%84%E7%B0%A1%E4%BB%8B\"><\/span><strong>\u4fe1\u7528\u5361\u7684\u7c21\u4ecb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul>\n<li><strong>Credit Limit\uff08\u4fe1\u7528\u984d\u5ea6\uff09<\/strong>\uff1a\u4f60\u6bcf\u500b\u6708\u53ef\u4ee5\u5237\u7684\u4e0a\u9650\u91d1\u984d<\/li>\n\n\n\n<li><strong>Due Date\uff08\u5230\u671f\u65e5\uff09<\/strong>\uff1a\u4f60\u7684\u4fe1\u7528\u5361\u5e33\u55ae\u8981\u7e73\u9322\u7684\u6700\u5f8c\u4e00\u5929<\/li>\n\n\n\n<li><strong>Reward Point\uff08\u56de\u994b\u9ede\u6578\uff09<\/strong>\uff1a\u4f60\u53ef\u4ee5\u7576\u73fe\u91d1\u4ed8\u6e05\u5e33\u55ae\uff0c\u4e5f\u53ef\u4ee5\u8f49\u6210\u822a\u7a7a\u9ede\u6578<\/li>\n\n\n\n<li><strong>Statement Credit<\/strong>\uff1a\u4f60\u7684\u4fe1\u7528\u5361\u53ef\u4ee5\u6298\u62b5\u6d88\u8cbb\u7684\u984d\u5ea6<\/li>\n\n\n\n<li><strong>APR (Annual Percentage Rate)<\/strong>\uff1a\u5982\u679c\u4f60\u5237\u5361\u6c92\u6709\u7e73\u9322\u7684\u90e8\u5206\u91d1\u984d\uff0c\u4e00\u5e74\u8981\u4ed8\u7684\u5229\u7387\u3002\u5927\u90e8\u5206\u7684\u4fe1\u7528\u5361\u6703\u6709\u4e00\u5e74\u514d\u5229\u606f\u7684\u512a\u60e0\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%AC%AC%E4%B8%80%E5%BC%B5%E7%BE%8E%E5%9C%8B%E4%BF%A1%E7%94%A8%E5%8D%A1\"><\/span><strong>\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\uff0c\u662f\u4e00\u500b<strong>\u4fe1\u7528\u6b77\u53f2<\/strong> (Credit History) \u548c<strong>\u4fe1\u7528\u7a4d\u5206<\/strong> (Credit Score) <strong>\u5f9e\u7121\u5230\u6709\u7684\u7a81\u7834<\/strong>\u3002\u4e00\u500b\u6c92\u6709\u4fe1\u7528\u7d00\u9304\u3001\u6c92\u6709\u4fe1\u7528\u6b77\u53f2\u7684\u4eba\u662f\u975e\u5e38\u96e3\u7533\u8acb\u5230\u4fe1\u7528\u5361\u7684\uff0c\u5c31\u50cf\u4f60\u4e0d\u6703\u501f\u9322\u7d66\u4f60\u4e0d\u8a8d\u8b58\u7684\u4eba\uff0c\u9280\u884c\u4e5f\u4e0d\u559c\u6b61\u501f\u9322\u7d66\u4fe1\u7528\u7d00\u9304\u4e00\u7247\u7a7a\u767d\u7684\u4eba\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%8B%BF%E5%88%B0%E7%AC%AC%E4%B8%80%E5%BC%B5%E5%8D%A1%E7%9A%843%E7%A8%AE%E6%96%B9%E5%BC%8F\"><\/span><strong>\u62ff\u5230\u7b2c\u4e00\u5f35\u5361\u76843\u7a2e\u65b9\u5f0f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol>\n<li>\u5bb6\u4eba\u7684\u526f\u5361<\/li>\n\n\n\n<li>\u62bc\u91d1\u4fe1\u7528\u5361 (Secured Credit Card)<\/li>\n\n\n\n<li>\u81ea\u5df1\u7533\u8acb\u4fe1\u7528\u5361<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u5bb6\u4eba\u7684\u526f\u5361<\/strong><\/h4>\n\n\n\n<p>\u7238\u5abd\u5bb6\u4eba\u53ef\u4ee5\u5e6b\u4f60\u7533\u8fa6\u526f\u5361\uff0c\u901a\u5e38\u6703\u5728\u62ff\u5230\u526f\u5361\u5f8c\u4e00\u5169\u500b\u6708\uff0c\u4fe1\u7528\u5831\u544a\u4e0a\u5c31\u6703\u6709\u7d00\u9304\u4e86\u3002<br>\u672a\u6eff18\u6b72\u7684\u5c0f\u5b69\u5b50\u4e5f\u53ef\u4ee5\u8fa6\u526f\u5361\uff0c\u4f46\u4fe1\u7528\u5206\u6578\u53ea\u6703\u5728\u5c0f\u5b69\u6eff18\u6b72\u624d\u6703\u986f\u793a\u3002\uff0818\u6b72\u4e4b\u524d\u96d6\u7136\u770b\u4e0d\u5230\u4fe1\u7528\u5206\u6578\uff0c\u4f46\u6703\u7167\u5e38\u7d2f\u7a4d\uff09<\/p>\n\n\n\n<p>\u800c\u526f\u5361\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u6703\u8907\u88fd\u4e3b\u5361\u4eba\u7684\u4f7f\u7528\u72c0\u6cc1\uff0c\u6240\u4ee5\u6709\u5169\u9ede\u8981\u6ce8\u610f\uff1a<\/p>\n\n\n\n<ol>\n<li>\u5982\u679c\u5bb6\u4eba\u7684\u6703\u5fd8\u8a18\u4ed8\u4fe1\u7528\u5361\u5e33\u55ae\uff0c\u6703\u5e38\u5e38\u628a\u5361\u5237\u7206\uff0c\u505a\u51fa\u4ed6\u4fe1\u7528\u5361\u984d\u5ea6\u4ee5\u4e0a\u7684\u6d88\u8cbb\uff0c\u90a3<strong>\u4f60\u6709\u53ef\u80fd\u6703\u8907\u88fd\u4ed6\u4e0d\u597d\u7684\u4fe1\u7528\u7d00\u9304<\/strong>\uff08\u63d0\u9192\uff1a\u5be7\u9858\u665a\u9ede\u958b\u59cb\u7d2f\u7a4d\uff0c\u4e5f\u4e0d\u8981\u4e00\u958b\u59cb\u5c31\u56e0\u70ba\u9019\u500b\u539f\u56e0\u5c0e\u81f4\u81ea\u5df1\u4fe1\u7528\u4e0d\u597d\uff09<\/li>\n\n\n\n<li>\u7b49\u5230\u4fe1\u7528\u7d00\u9304\u958b\u59cb\u884c\u7a0b\u5f8c\uff0c\u4e26<strong>\u81ea\u5df1\u80fd\u5920\u8fa6\u5361\uff0c\u53ef\u4ee5\u8acb\u5bb6\u4eba\u628a\u4f60\u7684\u526f\u5361\u95dc\u6389<\/strong>\uff0c\u9019\u6a23\u81ea\u5df1\u7684\u672a\u4f86\u4fe1\u7528\u7d00\u9304\uff0c\u5c31\u4e0d\u6703\u53d7\u5230\u5bb6\u4eba\u7684\u4fe1\u7528\u7d00\u9304\u7684\u5f71\u97ff\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u901a\u5e38\u5efa\u8b70\u7528\u4e00\u5f35\u7121\u5e74\u8cbb\uff0c\u7121\u5361\u50b5\u7684\u4fe1\u7528\u5361\u7533\u8fa6\u526f\u5361\uff0c\u4e4b\u5f8c\u5c31\u7b97\u4e0d\u7528\uff0c\u4e5f\u53ef\u4ee5\u4fdd\u6301\u9577\u4e45\u7684\u4fe1\u7528\u6b77\u53f2\u3002<br>\u7f8e\u570b\u5f88\u591a\u5bb6\u5ead\uff0c\u6703\u5728\u5b69\u5b50\u5c0f\u7684\u6642\u5019\uff0c\u5e6b\u4ed6\u5011\u8fa6\u526f\u5361\uff0c\u4e26\u5148\u5e6b\u4ed6\u5011\u6536\u8d77\u4f86\uff0c\u8b93\u4ed6\u5011\u5728\u9084\u6c9218\u6b72\u524d\u5c31\u958b\u59cb\u7d2f\u7a4d\u4fe1\u7528\u5206\u6578\u3002\u9019\u662f\u4e00\u500b\u5f88\u5e38\u898b\uff0c\u7528\u526f\u5361\u4f5c\u70ba\u5b69\u5b50\u7684\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7684\u60c5\u6cc1\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u62bc\u91d1\u4fe1\u7528\u5361 (Secured Credit Card)\uff1a<\/strong><\/h4>\n\n\n\n<p>\u5982\u679c\u6c92\u6709\u5bb6\u4eba\u53ef\u4ee5\u5e6b\u5fd9\uff0c\u9019\u662f\u53e6\u4e00\u500b\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p><strong>Secured Credit Card \u662f\u4ec0\u9ebc\uff1f<\/strong><\/p>\n\n\n\n<p>\u4f60\u5148\u5b58\u4e00\u7b46\u9322\u5728\u9280\u884c\u88e1\uff0c\u4fdd\u8b49\u4f60\u6709\u9322\u53ef\u4ee5\u4ed8\u6e05\u4f60\u7684\u4fe1\u7528\u5361\u5e33\u55ae\uff0c\u9280\u884c\u6703\u767c\u4e00\u5f35\u5237\u5361\u984d\u5ea6\u5f88\u5c0f\u7684\u4fe1\u7528\u5361\u7d66\u4f60\u3002\uff08\u901a\u5e38\u53ea\u6709$500\u7f8e\u5143\uff09<\/p>\n\n\n\n<p>\u4e0d\u5efa\u8b70\u7528\u9019\u7a2e\u65b9\u5f0f\uff0c\u56e0\u70ba\u6703\u8b93\u4f60\u7684credit utilitzation \u8b8a\u5f88\u9ad8\uff0c\u800c\u6703\u964d\u4f4e\u4f60\u7684\u4fe1\u7528\u5206\u6578\uff0c\u8a73\u7d30\u539f\u56e0\u6703\u5728\u4fe1\u7528\u7d00\u9304\u7684\u6587\u7ae0\u8aaa\u660e\u3002\u5982\u679c\u6c92\u8fa6\u6cd5\u4f7f\u7528\u7b2c\u4e09\u7a2e\u65b9\u5f0f\uff0c\u53ef\u4ee5\u5148\u8fa6 Secured Credit Card\uff0c\u4e26\u53ea\u5728\u5c0f\u984d\u6d88\u8cbb\u7684\u6642\u5019\u5237\u3002\u958b\u59cb\u4f60\u7684\u4fe1\u7528\u7d00\u9304\u5f8c\uff0c\u5728\u7533\u8acb\u5176\u4ed6\u66f4\u597d\u7684\u4fe1\u7528\u5361\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u81ea\u5df1\u7533\u8acb\u4fe1\u7528\u5361<\/strong><\/h4>\n\n\n\n<p>\u5c0d\u65bc\u6c92\u6709\u4fe1\u7528\u7d00\u9304\u7684\u4eba\uff0c\u6bd4\u8f03\u6709\u6a5f\u6703\u7533\u8acb\u5230\u7684\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u6709\u4e0b\u97623\u7a2e\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%9C%89SSN_%E6%89%8D%E5%8F%AF%E4%BB%A5%E7%94%B3%E8%AB%8B%EF%BC%9A\"><\/span><strong>\u6709SSN \u624d\u53ef\u4ee5\u7533\u8acb\uff1a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Social Security Number (SSN)<\/strong>\uff0c\u4e2d\u6587\uff1a\u793e\u6703\u5b89\u5168\u78bc\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u5982\u679c\u4f60\u662f\u7da0\u5361\u3001\u516c\u6c11\uff0c\u6216\u5728\u5b78\u6821\u5de5\u4f5c\u7684\u5927\u5b78\u751f\uff0c\u62ff\u5de5\u4f5c\u7c3d\u8b49\u7684\u7562\u696d\u751f\u5c31\u6703\u6709\u9019\u5f35 ID\u3002<\/p>\n\n\n\n<p>SSN\u8a73\u7d30\u4ecb\u7d39\uff0c\u8acb\u770b<strong>\u9019\u7bc7\uff1a<a href=\"https:\/\/www.xiaojeff.com\/what-is-ssn\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u7f8e\u570b\u7559\u5b78\u751f\u5fc5\u8b80\u3011SSN\u662f\u4ec0\u9ebc\uff1f\u7559\u5b78\u751f\u5982\u4f55\u7533\u8acb\u793e\u6703\u5b89\u5168\u78bcSocial Security Number<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Discover_IT\"><\/span><strong>Discover I.T.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><a href=\"https:\/\/refer.discover.com\/s\/JEFF139\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/discover-it-credit-card-image.png\" alt=\"Discover IT Credit Card Image\" class=\"wp-image-67\" style=\"width:225px;height:143px\" width=\"225\" height=\"143\"\/><\/a><figcaption class=\"wp-element-caption\">Figure: Discover IT Credit Card<\/figcaption><\/figure>\n\n\n\n<ul>\n<li>\u7533\u8fa6\u9001 <strong>$100\u7f8e\u5143\u7684\u958b\u5361\u734e\u52f5<\/strong><\/li>\n\n\n\n<li>\u7121\u5e74\u8cbb<\/li>\n\n\n\n<li>\u7121\u570b\u969b\u624b\u7e8c\u8cbb<\/li>\n\n\n\n<li>\u6bcf\u5b63\u5ea6\u6703\u6709\u7279\u5b9a\u985e\u5225 <strong>5% Cashback<\/strong>\uff0c\u5176\u4ed6\u6d88\u8cbb\u7121\u9650 1% Cashback! \uff08\u6bcf\u5b63\u5ea6\u90fd\u9700\u8981\u6fc0\u6d3b5%\u798f\u5229\u624d\u53ef\u4ee5\u4f7f\u7528\uff0c\u4e0b\u9762\u6709\u5716\u7247\u5c55\u793a\uff09<\/li>\n\n\n\n<li><strong>Double Cash Back<\/strong>: \u8fa6\u5361\u7684\u7b2c\u4e00\u5e7412\u500b billing cycle \u6240\u5f97\u5230\u7684\u53cd\u73fe\uff0c\u6703\u5168\u90e8\u7ffb\u500d\u3002\u4f8b\u5982\uff1a\u4f60\u62ff\u5230$1000\u7f8e\u5143\u53cd\u73fe\uff0c\u4ed6\u6703\u984d\u5916\u7d66\u4f60\u514d\u8cbb\u7684$1000\u7f8e\u5143<\/li>\n\n\n\n<li>\u4f7f\u7528<a href=\"https:\/\/refer.discover.com\/s\/JEFF139\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e0b\u9762\u63a8\u85a6\u9023\u7d50<\/a>\uff0c\u6703\u9001 <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">$100 \u734e\u52f5\u73fe\u91d1<\/mark>\uff1a\u5728\u958b\u5361\u76843\u500b\u6708\u5167\uff0c\u7528\u6b64\u5361\u6d88\u8cbb\u4e00\u7b46\u53ca\u53ef\u4ee5\u5f97\u5230\u73fe\u91d1$100\uff08\u800c\u4f5c\u70ba\u63a8\u85a6\u4eba\uff0c\u6211\u4e5f\u6703\u62ff\u5230$100\u7684\u63a8\u85a6\u8cbb\uff0c\u5982\u679c\u4f60\u89ba\u5f97\u9019\u7bc7\u6587\u7ae0\u5c0d\u4f60\u6709\u5e6b\u52a9\uff0c\u4e5f\u6b61\u8fce\u4f60\u652f\u6301\u6211\uff09<\/li>\n<\/ul>\n\n\n\n<p><meta charset=\"utf-8\">[custombutton id=&#8221;discover_it&#8221;]<\/p>\n\n\n\n<p>\u5982\u679c\u60f3\u770b\u8a73\u7d30\u7684\u4ecb\u7d39\uff0c<a href=\"https:\/\/www.xiaojeff.com\/discover-it\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u8acb\u770b\u9019\u7bc7\u3010\u65b0\u624b\u63a8\u85a6\u3011 Discover it \u4fe1\u7528\u5361 (2021)\u4f86\u7f8e\u570b\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361\u63a8\u85a6(\u5b8c\u6574<\/strong>\u7248\uff09<\/a><\/p>\n\n\n\n<p>\u4e0b\u9762\u9019\u5f35\u5716\u662f\u6bcf\u500b\u67085% cash back \u7684\u7a2e\u985e\uff0c\u642d\u914d\u7b2c\u4e00\u5e74\u6240\u6709\u73fe\u91d1\u56de\u994b\u90fd double\uff0c\u800c\u670910% cashback\uff0c\u56e0\u6b64\u975e\u5e38\u63a8\u85a6\u505a\u70ba\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u4f7f\u7528\u3002\u4eca\u5e747-9\u6708\uff0c\u6709apple pay\u67095%\uff0c\u5982\u679c\u4f60\u662f\u64c1\u6709\u9019\u5f35\u5361\u7b2c\u4e00\u5e74\uff0c\u53cd\u73fe\u52a0\u500d\uff0c\u4ee3\u8868\u4f60\u5237apply pay, \u90fd\u53ef\u4ee5\u4eab\u67099\u6298\u6298\u6263\uff01\uff01<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"214\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2023\/07\/discover-it-2023-category-1024x214.png\" alt=\"\" class=\"wp-image-1325\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2023\/07\/discover-it-2023-category-1024x214.png 1024w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2023\/07\/discover-it-2023-category-300x63.png 300w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2023\/07\/discover-it-2023-category-768x161.png 768w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2023\/07\/discover-it-2023-category-1536x321.png 1536w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2023\/07\/discover-it-2023-category.png 1778w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Figure: Discover Quarterly 5% Calendar in 2023<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%B2%92%E6%9C%89_SSN_%E4%B9%9F%E5%8F%AF%E4%BB%A5%E7%94%B3%E8%AB%8B%E7%9A%84%E4%BF%A1%E7%94%A8%E5%8D%A1%EF%BC%9A\"><\/span><strong>\u6c92\u6709 SSN \u4e5f\u53ef\u4ee5\u7533\u8acb\u7684\u4fe1\u7528\u5361\uff1a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Social Security Number (SSN)<\/strong>\uff0c\u4e2d\u6587\uff1a\u793e\u6703\u5b89\u5168\u78bc\u3002\u4e00\u822c\u4f86\u8aaa\uff0c\u5982\u679c\u4f60\u662f\u7da0\u5361\u3001\u516c\u6c11\uff0c\u6216\u5728\u5b78\u6821\u5de5\u4f5c\u7684\u5927\u5b78\u751f\uff0c\u62ff\u5de5\u4f5c\u7c3d\u8b49\u7684\u7562\u696d\u751f\u5c31\u6703\u6709\u9019\u5f35 ID\u3002<\/p>\n\n\n\n<p>\u60f3\u77e5\u9053\u7559\u5b78\u751f\u600e\u9ebc\u7533\u8acbSSN\uff0c\u8acb\u770b<meta charset=\"utf-8\"><strong>\u9019\u7bc7\uff1a<a href=\"https:\/\/www.xiaojeff.com\/what-is-ssn\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u7f8e\u570b\u7559\u5b78\u751f\u5fc5\u8b80\u3011SSN\u662f\u4ec0\u9ebc\uff1f\u7559\u5b78\u751f\u5982\u4f55\u7533\u8acb\u793e\u6703\u5b89\u5168\u78bcSocial Security Number<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"BoA_Cash_Back_Rewards\"><\/span><strong>BoA Cash Back Rewards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/boa-cash-back-rewards-img.png\" alt=\"BoA-Cash-Rewards-Credit-Card\" class=\"wp-image-50\" style=\"width:250px;height:158px\" width=\"250\" height=\"158\"\/><\/figure>\n\n\n\n<ul>\n<li>\u7121\u5e74\u8cbb<\/li>\n\n\n\n<li>\u7121\u4fe1\u7528\u5373\u53ef\u7533\u8acb\uff0c\u4f46\u5efa\u8b70\u6c92\u6709\u4fe1\u7528\u7d00\u9304\u7684\u670b\u53cb\uff0c\u53bb Bank of America (BoA) Branch \u73fe\u5834\u8fa6\u7406\uff0c\u4e26\u4e14\u8981\u5728BoA\u7684\u9280\u884c Checking Account \u5b58\u6b3e\u9054\u5230\u4e00\u5b9a\u6578\u984d\uff0c\u6703\u66f4\u5bb9\u6613\u6210\u529f<\/li>\n\n\n\n<li><strong>$200\u7f8e\u5143\u958b\u5361\u734e\u52f5<\/strong>\uff1a\u5728\u958b\u5361\u76843\u500b\u6708\u5167\u6d88\u8cbb\u6eff$1000 \u53ef\u5f97\u5230$200\u7f8e\u5143\uff08\u6ce8\u610f\uff1a\u53ea\u6709\u7db2\u7533\u624d\u6709\u958b\u5361\u734e\u52f5\uff0c\u5efa\u8b70\u525b\u4f86\u7f8e\u570b\u6c92\u6709ssn\u7684\u670b\u53cb\uff0c\u53bb\u73fe\u5834\u7533\u8acb\u6210\u529f\u7387\u6703\u9ad8\u5f88\u591a\uff01\u96d6\u7136\u73fe\u5834\u7533\u8acb\u6703\u6c92\u6709$200\uff0c\u4f46\u62ff\u5230\u4fe1\u7528\u5361\u672c\u8eab\u6bd4$200\u7f8e\u91d1\u66f4\u91cd\u8981\uff0c\u53ef\u4ee5\u66f4\u65e9\u7d2f\u7a4d\u4fe1\u7528\u5206\u6578\uff09<\/li>\n\n\n\n<li>\u7121\u9650 1% \u56de\u994b\uff0c\u8d85\u5e02 2% \u56de\u994b<\/li>\n\n\n\n<li>\u4f60\u81ea\u5df1\u9078\u64c7\u4e0b\u9762\u5176\u4e2d\u7684\u4e00\u500b\u985e\u5225\u7372\u5f97 3%\u53cd\u73fe\uff1a\uff08\u52a0\u6cb9\/\u7db2\u8cfc\/\u7528\u9910\/\u65c5\u884c\/\u85e5\u599d\u5e97\/\u5bb6\u5ead\u7528\u54c1\uff09<\/li>\n\n\n\n<li>\u6709\u570b\u969b\u624b\u7e8c\u8cbb3%\uff08\u96e2\u958b\u7f8e\u570b\u7684\u8a71\u5c31\u4e0d\u8981\u5237\u4e86!\uff09<br><\/li>\n<\/ul>\n\n\n\n<p>\u2705 \u7db2\u4e0a\u7533\u8acb\uff0c<strong>\u5b78\u751f\u5361<\/strong> \u27a1\ufe0f <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/student-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u6b64\u9023\u7d50\u7533\u8acb BoA Cash Rewards for Students<\/a><br>\u2705 \u7db2\u4e0a\u7533\u8acb\uff0c<strong>\u4e00\u822c\u5361<\/strong> \u27a1\ufe0f <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/cash-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u6b64\u9023\u7d50\u7533\u8acb BoA Cash Back Rewards<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deserve_Edu\"><\/span><strong>Deserve Edu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/deserve-edu-credit-card-img.png\" alt=\"deserve-edu-credit-card\" class=\"wp-image-49\" style=\"width:360px;height:338px\" width=\"360\" height=\"338\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/deserve-edu-credit-card-img.png 480w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/02\/deserve-edu-credit-card-img-300x281.png 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/figure>\n\n\n\n<ul>\n<li><strong>$30 \u958b\u5361\u79ae<\/strong>\uff1a\u958b\u53613\u500b\u6708\u5167\u6d88\u8cbb\u4e00\u7b46\u53ef\u4ee5\u5f97\u5230$30<\/li>\n\n\n\n<li>\u7121\u5e74\u8cbb<\/li>\n\n\n\n<li>\u9019\u662f\u5c08\u9580\u91dd\u5c0d\u5b78\u751f\u8a2d\u8a08\u7684\u4fe1\u7528\u5361<\/li>\n\n\n\n<li>\u570b\u969b\u5b78\u751f\u7121 SSN\u3001\u7121\u4fe1\u7528\u7d00\u9304\u5373\u53ef\u8fa6\u7406\uff0c\u5c0d\u65bc\u7121\u6cd5\u5728\u77ed\u671f\u5167\u7372\u5f97SSN\u7684\u7559\u5b78\u751f\uff0c\u9019\u662f\u5f88\u9069\u5408\u7684<\/li>\n\n\n\n<li>\u5c0d\u5916\u570b\u4eba\u53cb\u597d\uff0c\u6301\u6709F1\u3001M1\u3001J1\u7b49\u7c3d\u8b49\u7684\u4eba\u90fd\u53ef\u4ee5\u7533\u8acb<\/li>\n\n\n\n<li>\u6240\u6709\u6d88\u8cbb1%\u53cd\u73fe<\/li>\n\n\n\n<li>\u6c92\u6709\u8de8\u570b\u5237\u5361\u624b\u7e8c\u8cbb<\/li>\n\n\n\n<li>\u7533\u8acb\u65b9\u5f0f\u7c21\u55ae\uff0c\u4e0a\u7db2\u586b\u5beb\u8cc7\u6599\u5373\u53ef<\/li>\n\n\n\n<li><a href=\"https:\/\/www.deserve.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u6b64\u524d\u5f80\u7533\u8fa6 Deserve Edu<\/a><\/li>\n<\/ul>\n\n\n\n<script async data-uid=\"a385e60d9c\" src=\"https:\/\/xiaojeff.ck.page\/a385e60d9c\/index.js\" data-jetpack-boost=\"ignore\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E7%94%B3%E8%AB%8B%E7%AC%AC%E4%B8%80%E5%BC%B5%E7%BE%8E%E5%9C%8B%E4%BF%A1%E7%94%A8%E5%8D%A1%E7%B5%90%E8%AB%96\"><\/span><strong>\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u7d50\u8ad6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Social Security Number (SSN) \u793e\u6703\u5b89\u5168\u78bc\uff0c\u901a\u5e38\u6703\u56e0\u70ba\u4f60\u5df2\u7d93\u5728\u7f8e\u570b\u5de5\u4f5c\uff0c\u6216\u662f\u7da0\u5361\/\u516c\u6c11\u7684\u8eab\u4efd\u800c\u5f97\u5230\u3002<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u5982\u679c\u4f60\u6709 SSN<\/strong><\/h4>\n\n\n\n<ol>\n<li>\u7b2c\u4e00\u63a8\u85a6\uff1a\u8fa6 <a href=\"https:\/\/refer.discover.com\/s\/JEFF139\" target=\"_blank\" rel=\"noreferrer noopener\">Discover IT<\/a>\u3002(\u76f4\u63a5\u7db2\u4e0a\u7533\u8acb\uff09\u539f\u56e0\uff1a\u6574\u9ad4\u56de\u994b\u6bd4\u8f03\u591a<\/li>\n\n\n\n<li>\u7b2c\u4e8c\u9806\u4f4d\uff1a\u8fa6 <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/cash-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">BoA Cash Rewards<\/a>\uff08\u76f4\u63a5\u7db2\u4e0a\u7533\u8acb\uff09<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u5982\u679c\u4f60\u6c92\u6709 SSN<\/strong> (\u4e00\u822c\u6703\u662f\u7559\u5b78\u751f\uff09<\/h4>\n\n\n\n<ol>\n<li>\u7b2c\u4e00\u63a8\u85a6\uff1a\u63a8\u85a6\u53bb Bank of America \u958b Checking Account\uff0c\u4e26\u5728\u88e1\u9762\u5b58\u5165\u4e00\u5b9a\u91d1\u984d\uff0c\u5728\u9280\u884c Branch \u8ddf\u4ed6\u5011\u7684\u5de5\u4f5c\u4eba\u54e1\u73fe\u5834\u8fa6\u7406 <a href=\"https:\/\/www.bankofamerica.com\/credit-cards\/products\/cash-back-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">BoA Cash Rewards<\/a> \u4fe1\u7528\u5361\uff08\u9700\u73fe\u5834\u7533\u8acb\uff09<\/li>\n\n\n\n<li>\u7b2c\u4e8c\u63a8\u85a6\uff1a\u7dda\u4e0a\u7533\u8acb <a href=\"https:\/\/www.deserve.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Deserve Edu <\/a>\uff08\u76f4\u63a5\u7db2\u4e0a\u7533\u8acb\uff09<\/li>\n<\/ol>\n\n\n\n<p>\u6700\u5f8c\uff0c\u4e26\u4e0d\u662f\u6240\u6709\u4fe1\u7528\u5361\u53ea\u8981\u7533\u8acb\u5c31\u6703\u901a\u904e\uff0c\u4ed6\u5011\u6703\u5148\u5be9\u6838\uff0c\u5f88\u591a\u6642\u5019\u6703\u56e0\u70ba\u4f60\u7684\u4fe1\u7528\u6b77\u53f2\uff0c\u4fe1\u7528\u7d00\u9304\uff0c\u904e\u53bb6\u500b\u6708\u52302\u5e74\u7684\u958b\u5361\u6b21\u6578\uff0c\u800c\u62d2\u7d55\u4f60\u7684\u7533\u8acb\uff0c\u4e26\u5c0e\u81f4\u4f60\u7684\u4fe1\u7528\u5206\u6578\u8b8a\u4f4e\u3002\uff08\u6240\u4ee5\u4e0d\u8981\u96a8\u4fbf\u770b\u5230\u4efb\u4f55\u4fe1\u7528\u5361\u5c31\u53bb\u7533\u8acb\uff0c\u81ea\u5df1\u8981\u5148\u505a\u597d\u529f\u8ab2\uff09<\/p>\n\n\n\n<p>\u4e0a\u9762\u63a8\u85a6\u7684\u7f8e\u570b\u4fe1\u7528\u5361\uff0c\u662f\u5c0d\u65bc\u6c92\u6709\u4efb\u4f55\u4fe1\u7528\u7d00\u9304\u7684\u4eba\uff0c\u6700\u597d\u7533\u8acb\u7684\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u9078\u64c7\u63a8\u85a6\uff01\u800c\u4e14\u62ff\u5230\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u5f8c\uff0c\u6700\u597d\u6d88\u8cbb\u90fd\u4f7f\u7528\u540c\u4e00\u5f35\u4fe1\u7528\u5361\uff0c\u4e26\u4e14\u62ff\u6eff\u4e00\u5e74\u5f8c\uff0c\u518d\u958b\u59cb\u7533\u8acb\u5176\u4ed6\u4fe1\u7528\u5361\u6703\u66f4\u597d\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%B0%8F%E6%9D%B0%E5%A4%ABInstagram%E6%96%B0%E8%81%9E\"><\/span><strong>\u5c0f\u6770\u592bInstagram\u65b0\u805e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5982\u679c\u4f60\u5728\u770b\u9019\u500b\u5167\u5bb9\uff0c\u4f60\u53ef\u80fd\u4e5f\u6703\u5c0d\u7f8e\u570b\u4fe1\u7528\u5361 \/ \u7f8e\u570b\u7559\u5b78 \/ \u7f8e\u570b\u751f\u6d3b\u597d\u5eb7\u611f\u8208\u8da3\uff01<\/p>\n\n\n\n<p>\u53ef\u4ee5 Follow \u6211\u7684 Instagram \u9801\u9762\uff0c\u4e0a\u9762\u6703\u767c\u6700\u65b0\u7684\u6587\u7ae0\uff0c\u4e26\u4e14\u7b2c\u4e00\u6642\u9593\u6d3b\u52d5\u798f\u5229\u901a\u77e5\u5594\uff01<a href=\"https:\/\/www.instagram.com\/xiaojeff.co\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram : xiaojeff.co<\/a><\/p>\n\n\n\n<blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\" rel=\"noopener\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewBox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this profile on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px;\" target=\"_blank\" rel=\"noopener\">\u5c0f\u6770\u592b\uff5c\u7f8e\u570b\u4fe1\u7528\u5361<\/a> (@<a href=\"https:\/\/www.instagram.com\/xiaojeff.co\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px;\" target=\"_blank\" rel=\"noopener\">xiaojeff.co<\/a>) \u2022 Instagram photos and videos<\/p><\/div><\/blockquote> <script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q_A\"><\/span><strong>Q&amp;A<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong><span class=\"has-inline-color has-vivid-red-color\">Q: \u62ff\u5230\u4e86\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u4e4b\u5f8c\uff0c\u7b2c\u4e00\u4ef6\u4e8b\u8a72\u505a\u4ec0\u9ebc\uff1f<br>A: \u8a2d\u5b9a\u597d\u6bcf\u500b\u6708\u7684\u81ea\u52d5\u6263\u6b3e (auto pay)<\/span><\/strong><\/p>\n\n\n\n<p>\u901a\u5e38\u62ff\u5230\u4fe1\u7528\u5361\u7684\u6642\u5019\uff0c\u4ed6\u6703\u53eb\u4f60\u5728\u9019\u5f35\u4fe1\u7528\u5361\u7684\u5b98\u7db2\u4e0a\uff0c\u5efa\u7acb\u4e00\u500b\u4fe1\u7528\u5361\u7684\u7dda\u4e0a\u5e33\u6236 (online account)\uff0c\u5728\u88e1\u9762 payment \u7684\u5730\u65b9\u9ede\u9078 auto pay or automatic payment\uff0c\u4e26\u586b\u5beb\u4f60\u7684\u9280\u884c\u5e33\u6236\u8cc7\u6599\uff0c\u901a\u5e38\u662f\u4f60\u7684\u4e3b\u8981\u5b58\u9322\u7684\u6236\u982d (checking\/saving account)\uff0c\u586b\u597d\u4e26\u8a2d\u5b9a\u597d\u6bcf\u500b\u6708\u4ed8\u9322\u65e5\u671f\u5f8c\uff0c\u7cfb\u7d71\u6703\u81ea\u52d5\u5728\u6bcf\u500b\u6708\u4f60\u9078\u64c7\u7684\u4ed8\u6b3e\u65e5\u671f\uff0c\u81ea\u52d5\u9280\u884c\u4ed8\u6b3e\u3001\u7e73\u6e05\u4f60\u7684\u4fe1\u7528\u5361\u5e33\u55ae\u3002<\/p>\n\n\n\n<p><strong><span class=\"has-inline-color has-vivid-red-color\">Q: \u70ba\u4ec0\u9ebc\u8981\u8a2d\u5b9a\u81ea\u52d5\u4ed8\u6b3e\u5462\uff0c\u6211\u4e0d\u80fd\u6bcf\u500b\u81ea\u5df1\u624b\u52d5\u4ed8\u6b3e\u55ce\uff1f<br>A: \u7b54\u6848\u662f\u53ef\u4ee5\uff0c\u8a2d\u5b9a\u81ea\u52d5\u4ed8\u6b3e\uff0c\u662f\u70ba\u4e86\u907f\u514d\u4f60\u5fd8\u8a18\u4ed8\u9322\u3002<\/span><\/strong><\/p>\n\n\n\n<p>\u6bcf\u500b\u4eba\u90fd\u6709\u5f88\u5fd9\u7684\u6642\u5019\uff0c\u6216\u5237\u5361\u5f8c\u7684\u5e7e\u5929\u5fd8\u8a18\u81ea\u5df1\u6709\u5237\u5361\uff0c\u6216\u7576\u4f60\u6709\u4e0d\u53ea\u4e00\u5f35\u5361\u7684\u6642\u5019\uff0c\u4f60\u5c31\u6703\u5fd8\u8a18\u8981\u53bb\u6aa2\u67e5\u4f60\u6bcf\u4e00\u500b\u5e33\u6236\u3002\u6240\u4ee5\u7576\u64c1\u6709\u7b2c\u4e00\u5f35\u4fe1\u7528\u5361\u7684\u6642\u5019\uff0c\u5c31\u990a\u6210\u9019\u500b\u7fd2\u6163\uff0c\u5728\u4ee5\u5f8c\u6703\u6709\u5f88\u5927\u7684\u5e6b\u52a9\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u4f60\u5728\u4efb\u4f55\u6642\u5019\uff0c\u90fd\u53ef\u4ee5\u4ed8\u6e05\u4f60\u4fe1\u7528\u5361\u7684\u6d88\u8cbb\u3002\u901a\u5e38\u5728\u4f60credit limit \u6bd4\u8f03\u5c11\u7684\u6642\u5019\uff0c\u4f60\u53ef\u4ee5\u6bd4\u8f03\u983b\u7e41\u7684\u4ed8\u6e05\uff0c\u6216\u751a\u81f3\u6bcf\u500b\u9031\u672b\u4f86\u7d71\u4e00\u6574\u7406\u4f60\u7684\u8ca1\u52d9\uff0c\u4e26\u4ed8\u6e05\u4f60\u7684\u6240\u6709\u5e33\u55ae\u3002<\/p>\n\n\n\n<p>\u6ce8\u610f\uff1a\u5c11\u6578\u4fe1\u7528\u5361\u50cf\u662fBank of America Credit cards \u662f\u6c92\u6709\u986f\u793aautopay\u9019\u500b\u9078\u9805\u7684\uff0c\u4f60\u5fc5\u9808\u4e3b\u52d5\u52a0\u5165\u6210\u5e33\u55ae\uff0c\u4ed6\u624d\u6703\u51fa\u73fe AutoPay\uff0c\u4f46\u8ddf\u5927\u90e8\u5206\u7684\u4fe1\u7528\u5361\u4e0d\u4e00\u6a23\u7684\u662f\uff0c\u4ed6\u53ea\u6709\u81ea\u52d5\u4ed8\u6b3e\u7279\u5b9a\u91d1\u984d\uff0c\u6c92\u8fa6\u6cd5\u5168\u984d\u81ea\u52d5\u4ed8\u6b3e\u3002<\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\"><strong>Q: \u5982\u4f55\u7ba1\u7406\u591a\u5f35\u4fe1\u7528\u5361\u548c\u9280\u884c\u5e33\u6236\u5462\uff1f<br>A: \u8acb\u67e5\u770b\u6211\u7684\u53e6\u4e00\u7bc7\u6587\u7ae0\uff1a<\/strong><\/mark><a href=\"https:\/\/www.xiaojeff.com\/mint-com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u3010\u500b\u4eba\u7406\u8ca1\u795e\u5668\u3011Mint.com\u662f\u4ec0\u9ebc\uff1f\u5982\u4f55\u7c21\u55ae\u7ba1\u7406\u591a\u500b\u4fe1\u7528\u5361\u3001\u9280\u884c\u5e33\u6236\u3001\u6295\u8cc7\u5e33\u6236<\/a><\/p>\n\n\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\"><strong>Q: \u7b2c\u4e8c\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u8981\u8fa6\u54ea\u4e00\u5f35\u5462\uff1f\u8fa6\u5b8c\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u5f8c\u8981\u591a\u4e45\u4e4b\u5f8c\u624d\u80fd\u8fa6\u7b2c\u4e8c\u5f35\u5462\uff1f<br>A: \u5efa\u8b70 6 &#8211; 12 \u500b\u6708\uff0c\u4e4b\u5f8c\u6709\u5169\u500b\u9078\u64c7<\/strong><\/mark><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E4%B8%80%EF%BC%9AChase_Freedom_Flex\"><\/span><strong>\u9078\u64c7\u4e00\uff1a<a href=\"https:\/\/www.referyourchasecard.com\/18g\/DVIV5KB6WO\" target=\"_blank\" rel=\"noreferrer noopener\">Chase Freedom Flex<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><a href=\"https:\/\/www.referyourchasecard.com\/18f\/JLOM8E24RP\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/chase-freedom-flex.png\" alt=\"chase-freedom-flex\" class=\"wp-image-231\" style=\"width:328px;height:220px\" width=\"328\" height=\"220\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/chase-freedom-flex.png 328w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/chase-freedom-flex-300x201.png 300w\" sizes=\"(max-width: 328px) 100vw, 328px\" \/><\/a><\/figure>\n\n\n\n<p>\u9019\u5f35 <a href=\"https:\/\/www.xiaojeff.com\/chase-freedom-flex\/\" target=\"_blank\" rel=\"noreferrer noopener\">Chase Freedom Flex\u4fe1\u7528\u5361<\/a>\uff0c\u662f<strong>\u514d\u5e74\u8cbb<\/strong>\u4fe1\u7528\u5361\u88e1\u63a8\u85a6\u7684\u7b2c\u4e8c\u5f35\u4fe1\u7528\u5361\uff0c\u56e0\u70baChase \u901a\u5e38\u9700\u8981\u4f60\u6709\u534a\u5e74\u5230\u4e00\u5e74\u4ee5\u4e0a\u7684\u4fe1\u7528\u7d00\u9304\uff0c\u4e26\u4e14<strong>\u4fe1\u7528\u5206\u6578\u5728700\u5206\u4ee5\u4e0a<\/strong>\uff0c\u624d\u6bd4\u8f03\u5bb9\u6613\u901a\u904e\u3002\u4ed6\u8ddf\u4e0a\u9762\u4ecb\u7d39\u7684 <a href=\"https:\/\/www.xiaojeff.com\/discover-it\/\" target=\"_blank\" rel=\"noreferrer noopener\">Discover IT<\/a> \u4e00\u6a23\uff0c\u90fd\u6709\u6bcf\u5b63\u5ea6 5%\u56de\u994b\uff0c\u6240\u4ee5\u53ef\u4ee5\u8ddf discover IT \u4e00\u8d77\u642d\u914d\u4f7f\u7528\u3002<\/p>\n\n\n\n<p>[custombutton id=&#8221;chase_freedom_flex&#8221;]<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E9%81%B8%E6%93%87%E4%BA%8C%EF%BC%9AAmerican_Express_Gold_Amex_Gold\"><\/span><strong>\u9078\u64c7\u4e8c\uff1a<a href=\"https:\/\/www.xiaojeff.com\/amex-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">American Express Gold<\/a><\/strong> (Amex Gold)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><a href=\"http:\/\/refer.amex.us\/JEFFDxQ3X?XLINK=MYCP\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/amex-gold-credit-card-1024x576.jpeg\" alt=\"\" class=\"wp-image-245\" style=\"width:512px;height:288px\" width=\"512\" height=\"288\" srcset=\"https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/amex-gold-credit-card-1024x576.jpeg 1024w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/amex-gold-credit-card-300x169.jpeg 300w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/amex-gold-credit-card-768x432.jpeg 768w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/amex-gold-credit-card-1536x864.jpeg 1536w, https:\/\/www.xiaojeff.com\/wp-content\/uploads\/2021\/06\/amex-gold-credit-card.jpeg 1920w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/a><\/figure>\n\n\n\n<p>\u9019\u5f35<a href=\"https:\/\/www.xiaojeff.com\/amex-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">amex\u4fe1\u7528\u5361<\/a>\u662f\u8cb7\u83dc\u548c\u5403\u98ef\u7684\u795e\u5361\uff0c\u70ba\u4ec0\u9ebc\u9019\u9ebc\u8aaa\u5462\uff1f\u56e0\u70ba\u4ed6\u8cb7\u83dc\u548c\u5403\u98ef\u90fd\u67094x\u7684\u9ede\u6578\u56de\u994b\uff0c\u800c\u4e14\u9084\u670960,000\u958b\u5361\u79ae\u3002\u9019\u500b\u9ede\u6578\u50f9\u503c\u600e\u9ebc\u7b97\u548c\u600e\u9ebc\u7528\u5462\uff1f\u958b\u5361\u8d08\u9001\u76846\u842c\u9ede\u9ede\u6578\uff0c\u53ef\u4ee5\u514d\u8cbb\u63db\u7f8e\u570b\u53f0\u7063\u4f86\u56de\u7d93\u6fdf\u8259\u6a5f\u7968\uff0c\u5982\u679c\u52a0\u4e0a\u4f60\u4e00\u5e74\u7684\u8cb7\u83dc\u5bb6\u5403\u98ef\u7684\u82b1\u8cbb\u7d2f\u7a4d\u7684\u4fe1\u7528\u5361\u9ede\u6578\uff0c\u57fa\u672c\u4e0a\u53ef\u4ee5<strong>\u514d\u8cbb\u63db\u4e00\u5f35\u7f8e\u570b\u53f0\u7063\u4f86\u56de\u5546\u52d9\u8259<\/strong>\uff01<\/p>\n\n\n\n<p>\u9664\u6b64\u4e4b\u5916\uff0c<a href=\"https:\/\/www.xiaojeff.com\/amex-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">amex gold\u4fe1\u7528\u5361<\/a>\u9084\u6709\u514d\u8cbb\u4e00\u5e74\u4efd\u7684Uber pass\uff0c\u6bcf\u500b\u6708\u6709$10\u514d\u8cbbUber\/UberEat credit\uff0c\u6bcf\u500b\u6708\u7279\u5b9a\u9910\u5ef3 cheesecake factory, shake shack\u514d\u8cbb$10\u7528\u9910\u8cbb\u3002\u6240\u4ee5\u4e00\u5e74\u4efd\u5c31\u6709\u5408\u8a08\uff1a$240\u7f8e\u5143\u7684\u8d08\u9001\u4f19\u98df\u8cbb\u3002<\/p>\n\n\n\n<p>\u552f\u4e00\u8981\u77e5\u9053\u7684\u4e8b\uff0c\u662f\u4ed6\u662f\u4e00\u5f35\u6709\u5e74\u8cbb\u7684\u4fe1\u7528\u5361\uff0c\u800c\u4e14\u4e00\u5e74\u7684\u5e74\u8cbb\u662f$250\uff0c\u5c0d\u65bc\u525b\u63a5\u89f8\u4fe1\u7528\u5361\u7684\u4eba\u53ef\u80fd\u6703\u6709\u9ede\u7274\u89f8\uff0c\u4f46\u5982\u679c\u628a\u4e0a\u9762 Uber\/UberEat\u548c\u9910\u5ef3\u7684\u9910\u8cbb\u7576\u4f5c\u62ff\u5230\u7684\u798f\u5229\uff0c\u4f60\u5176\u5be6\u4e00\u5e74\u53ea\u6709\u82b1$10 ($250-$240)\uff0c\u4f46\u662f\u6700\u91cd\u8981\u7684\u662f\u4f60\u53ef\u4ee5\u82b1$250\u8cb7\u5230\u4e00\u5f35\u7f8e\u570b\u4e9e\u6d32\u7684\u4f86\u56de\u6a5f\u7968\uff08\u65e5\u672c\u3001\u53f0\u7063\u3001\u4e2d\u570b\u3001\u65b0\u52a0\u5761\uff09\uff0c\u5176\u4ed6\u7684\u4e0d\u7528\u770b\uff0c\u5149\u662f\u9019\u500b\u5c31\u8d85\u503c\u5f97\u7684\uff0c\u5c0d\u65bc\u51fa\u4f86\u7559\u5b78\uff0c\u6216\u79fb\u6c11\u7684\u5927\u5bb6\uff0c\u6bcf\u5e74\u82b1\u5728\u6a5f\u7968\u4e0a\u5c31\u4e0a\u5343\u7f8e\u91d1\uff0c\u6709\u5bb6\u5ead\u7684\u751a\u81f3\u4e0a\u842c\u7f8e\u91d1\uff0c\u6240\u4ee5\u53ef\u4ee5\u597d\u597d\u8003\u616e\u9019\u5f35\u4fe1\u7528\u5361\uff01\uff01\uff01<\/p>\n\n\n\n<p>\u60f3\u8981\u4e86\u89e3\u66f4\u591a\u7684\u670b\u53cb\uff0c\u53ef\u4ee5<strong>\u770b\u9019\u4e00\u7bc7 <a href=\"https:\/\/www.xiaojeff.com\/amex-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">Amex Gold\u4fe1\u7528\u5361\u63a8\u85a6(2021\uff09\u5403\u98ef\u5237\u9019\u5f35\u5361\u53ef\u4ee5\u5e6b\u4f60\u8cfa\u5230\u56de\u570b\u7684\u5546\u52d9\u8259\u6a5f\u7968\uff01<\/a><\/strong><br><strong>Note: <\/strong>\u9019\u5f35American Express Gold Card\u5176\u5be6\u662f\u4e00\u5f35\u7c3d\u5e33\u5361\uff0c\u4f46\u662f\u56e0\u70ba\u9019\u4e00\u7bc7\u662f<strong>\u65b0\u624b\u6559\u5b78<\/strong>\uff0c\u6240\u4ee5\u66ab\u6642\u7528\u4fe1\u7528\u5361\u4f86\u4ecb\u7d39\u3002<\/p>\n\n\n\n<p><strong>P.S \u73fe\u5728\u6709<span class=\"has-inline-color has-vivid-red-color\">\u9650\u6642 \u73ab\u7470\u91d1<\/span> \u7684\u984f\u8272\uff0c\u4e0a\u4e00\u6b21\u51fa\u73fe\u9019\u500b\u984f\u8272\u9694\u4e86\u5169\u5e74\u7684\u6642\u9593\uff0c\u4e0d\u8981\u932f\u904e\u4e86\u5594\uff01<\/strong><\/p>\n\n\n\n<p><meta charset=\"utf-8\">[custombutton id=&#8221;amex_gold&#8221;]<\/p>\n\n\n\n<div class=\"cta\">\n\t\t\t\t<p>\n\t\t\t\t\u5982\u679c\u5c0d\u6587\u7ae0\u5167\u5bb9\u6709\u4efb\u4f55\u554f\u984c\uff0c\u6b61\u8fce\u5728\u5e95\u4e0b\u7559\u8a00\u8b93\u6211\u77e5\u9053\u3002\n\t\t\t\t\u5982\u679c\u4f60\u559c\u6b61\u6211\u7684\u6587\u7ae0\uff0c\u53ef\u4ee5\u5206\u4eab\u7d66\u8eab\u908a\u597d\u53cb\uff0c\u8b93\u66f4\u591a\u7684\u4eba\u770b\u898b\u6211\u7684\u6587\u7ae0\u3002<br><br>\n\t\t\t\tBlog\u5167\u6587\u7ae0\u90fd\u662f\u57fa\u65bc\u81ea\u8eab\u6240\u5b78\uff0b\u6301\u7e8cresearch\u6574\u7406\u51fa\u4f86\u7684\u514d\u8cbb\u4f46\u53ef\u9760\u7684\u5167\u5bb9\u3002<br><br>\n\t\t\t\t\u6b61\u8fce\u6210\u70ba\u8d0a\u52a9\u5925\u4f34\uff0c\u53ea\u8981$5\u4e00\u676f\u5496\u5561\u7684\u91d1\u984d\u5c31\u53ef\u4ee5\u652f\u6301\u6211\u6301\u7e8c\u767c\u5e03\u512a\u8cea\u5167\u5bb9\uff0c\u53ef\u4ee5\u900f\u904e\n\t\t\t\t<a href=\"https:\/\/www.xiaojeff.com\/support-xiaojeff\/\" target=\"_blank\" rel=\"noreferrer noopener\">Paypal\u6216venmo<\/a>\u8acb\u6211\u559d\u676f\u5496\u5561\n\t\t\t\t <br><br>\n\t\t\t\t \n\t\t\t\t\u60f3\u8981\u7372\u5f97\u66f4\u591a\u5373\u6642\u8cc7\u8a0a\uff0c\u53ef\u4ee5follow\u6211\u7684 ig\n\t\t\t\t<a href=\"https:\/\/www.instagram.com\/xiaojeff.co\" target=\"_blank\" rel=\"noreferrer noopener\">\u5c0f\u6770\u592b ig \u9801\u9762<\/a>\n\t\t\t\t\uff0c\u6211\u6703\u5728\u9019\u908a\u516c\u5e03\u6700\u5373\u6642\u7684\u512a\u60e0\u548c\u8cc7\u8a0a\uff01<br><br>\n\t\t\t\t\n\t\t\t\tDisclaimer: \u6211\u4e0d\u662f\u4f60\u5c08\u5c6c\u7684\u7406\u8ca1\u9867\u554f\uff0c\u4e0a\u9762\u5167\u5bb9\u50c5\u4f5c\u70ba\u6559\u5b78\u5a1b\u6a02\u6027\u8cea\uff0c\u60f3\u8981\u6839\u64da\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\uff0c\u505a\u66f4\u5b8c\u6574\u8ca1\u52d9\u898f\u5283\uff0c\u8acb\u8aee\u8a62\u7406\u8ca1\u9867\u554f\u548c\u6703\u8a08\u5e2b\u3002\u8b1d\u8b1d\uff01\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u4f60\u5728\u8003\u616e\u7533\u8acb\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u55ce\uff1f \u5e02\u9762\u4e0a\u90a3\u9ebc\u591a\u5bb6\u9280\u884c\u3001\u90a3\u9ebc\u591a\u5bb6\u4fe1\u7528\u5361\u516c\u53f8\uff0c\u5230\u5e95\u8981\u600e\u9ebc\u9078\u5462\uff1f \u9019\u7bc7\u6587\u7ae0\u6703\u544a\u8a34\u4f60\u70ba &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.xiaojeff.com\/first-credit-card\/\"> <span class=\"screen-reader-text\">\u3010\u65b0\u624b\u6559\u5b78\u3011\u7b2c\u4e00\u5f35\u7f8e\u570b\u4fe1\u7528\u5361\u8a72\u600e\u9ebc\u9078\uff1f(2024) \u7559\u5b78\u751f\/\u7da0\u5361\/\u516c\u6c11\u90fd\u9069\u7528<\/span> \u95b1\u8b80\u5168\u6587 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