<p style="font-size: 13px;"><span style="font-size: 13px;">ä¸ä¸ªç¤¼æï¼æ们对å¨åç¾å¦ä½ç³è¯·ä¿¡ç¨å¡è¿è¡äºä¸ä¸ªç®åçå ¥é¨çº§çç§æ®ã</span>对äºåå ¥é¨ä¿¡ç¨å¡çåå¦æ¥è¯´ï¼ä¸è¬é½æ¨èèèå¼å¾é¿æææçæ å¹´è´¹çä¿¡ç¨å¡ãå½ä½ å积æäºä¸æ®µæ¶é´çcreditï¼å°±å¯ä»¥èèæ´å¤çä¿¡ç¨å¡å¦ï¼çè³å æ¬æå¹´è´¹çä¿¡ç¨å¡ãåècreditkarma.comçåæ°çè¯ï¼å»ºè®®è¦å¨730+ï¼æ好è½å¨750+ã</p>
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<p style="font-size: 20px;"><span style="font-size: 20px;"><strong>Chapter 4 è¿é¶é¶æ®µ</strong></span></p>
<p style="font-size: 13px;">1. American Express Blue Cash Everyday/Preferredï¼ç®ç§°BCE/BCPï¼ä¿ç§°“ä¹°èå¡”ï¼</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/3f27c-2f0052_b6f167c4629c4f0096c09bfcacc1abc5.jpg" width="54.03225806451613%"></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å¹´è´¹ï¼BCEæ ï¼BCPï¼$75ï¼å¹¶ä¸ç¬¬ä¸å¹´ä¸å å¹´è´¹ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å¼å¡å¥å±ï¼BCE &#8211; $100ï¼éå¼å¡3个ææ¶è´¹æ»¡$500ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> BCP &#8211; $150ï¼éå¼å¡3个ææ¶è´¹æ»¡$500</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Cash Backï¼ BCE &#8211; supermarket 3%+ gas station, department store 2%+ others 1%ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> BCP &#8211; supermarket6%+ gas station, department store 3%+ others 1%</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> ï¼å ¶ä¸supermarketç3%æè 6%çè¿ç°æå¤åªè½æ¯å$6000çæ¶è´¹ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å ¶ä»ä¼ç¹ï¼ è¿å¼ å¡ä¸åº¦å¨çå¦çä¸é常å欢è¿ï¼å 为æ们çæ¶è´¹å¤§é¨åæ¥èªäºè¶ å¸è´ç©ï¼å¦å¤å°±æ¯å¦æä½ å¨è¶ å¸è´ä¹°å ¶ä»å家çgift cardï¼æ¯å¦amazon, subway, ebayçï¼ä¹é½æ¯äº«åè¿ä¸ª3%æè 6%çæ¶è´¹çã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å ¶ä»ç¼ºç¹ï¼ 主è¦è¦çæ¸ æ¥AMEX家å®ä¹çå±äºsupermarketçlistï¼ä¸è¬æ¥è¯´å¤§åçä»å¨è¶ å¸æ¯å¦Costo, BJ&#8217;sï¼è¿æ大åçsuperstoreæ¯å¦amazonåwalmarté½æ¯åç¹çä¸å±äºsupermarketèç´çãä¸ä¸ªç®ååºåæ¯å¦å±äºsupermarketçæ¹æ³- è¿ä¸ªåºå¦æåçµå¨ï¼å¤åæ¯ä¸å±äºçãä¸å½è¶ å¸åæ¯ä¸è¬é½ç®ä½supermarketçï¼ä½å¯æå¾å¤ä¸å½è¶ å¸ä¸æ¶amexådiscoverçå¡ãå¨åº·æçè¯ï¼æ°¸å©ä¸æ¶ï¼è±è åºæ¯æ¶çã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">ç³è¯·é¾æ¥ï¼ <a href="http://refer.amex.us/XUPINZf7v5?XLINK=MYCP" target="_blank" rel="noopener noreferrer">Blue Cash Everyday (æ å¹´è´¹ç)</a></span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> <a href="https://mgmee.americanexpress.com/refer/us/en/card-details/personal/blue-cash-preferred-credit-card/D4F2488373C6706551A3ECB1F06419A4BD9BEC2F0E5D86EA3AD8900CBF5BDBCD42F5FB1476008E144D387827C94B2CAF73F501BE36D972812D6DF1DD78863961598E0BE204D8C4947EC63C1CBBAFFE4EBEA42553B29591751B20BD4F76026AF87219667FC5317AB565DD0DD2FC7C4CC2?CPID=201279&;extlink=US-MGM-HUBCONTENTBOX-copypaste-795-201279-CEVG:0007&;GENCODE=349992051129771&;CORID=N:I:N:G:M:Z:R:t:O:6-1555354641086-1002136109" target="_blank" rel="noopener noreferrer">Blue Cash Preferred</a></span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Noteï¼1. æ人é®ï¼ä»ä¹æ¶åéBCPæè BCEå¢ï¼ç®åçæ°å¦é¢ï¼å¦æä½ æ¯å¹´å¨è¶ å¸çæ¶è´¹è¶ è¿$2500ï¼å°±å¯ä»¥èèç³è¯·æå¹´è´¹çBCPï¼otherwiseå°±è¦BCE好äºã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> 2. èèå§èªå·±å¯¹è¿ä¸¤å¼ å¡å ´è¶£ä¸æ¯å¾å¤§ï¼ä¸è¿èèå°BCE没æå¹´è´¹ï¼å¨æ²¡æä»ä¹ç¹å«çç³å¡è®¡åçæ åµä¸å½ä¸å¼ BCEä¹æ 妨ï¼å 为没æå¹´è´¹å</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">2. Citi Double Cash </span></p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/bb96d-2f0052_b36abea76b2d4f9f844d41f27c76f5b6.png" width="42.105379559916834%"></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å¹´è´¹ï¼æ </span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å¼å¡å¥å±ï¼ä¸è¬æ²¡æï¼ç½ä¸ä¼ é»ætargetedç$200</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Cash Back: æ èä¸å¾2%çcash back</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">ç³è¯·é¾æ¥ï¼Citi Double Cash</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Notesï¼è¿æ¬¾å¡æ¯Citiå¨14å¹´ç§å£çæ¶åååæ¨åºæ¥çï¼å®å®¶ä¼¼ä¹ä¹å¨ä¸»æå®£ä¼ è¿å¼ å¡ï¼éºå¤©çå°çåç§å¹¿åï¼å°±æ¯å¡ç设计æç¹ä¸ãæ¬æ¥æ³æè¿å¼ å¡æ¾å¨å级é¶æ®µçcategoryéï¼ä½åå 天åç°è¿å¼ å¡å¯¹ä¿¡ç¨å¡åæ°çè¦æ±ä¼¼ä¹æ²¡æé£ä¹ä½ãå¦æä½ æCiti家æå¹´è´¹çå¡ï¼ä½ä¸æ³ç»å¹´è´¹äºï¼ä¹ä¸å¦¨èèæç°å¨çå¡è½¬æè¿å¼ å¡ã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">3. Fidelity American Express ï¼ç®ç§°FIAï¼</span></p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/8a730-2f0052_e2b20e65e7de4dc3b78fe7fdc6a51821.png" width="43.38709677419355%"></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å½å¹´çcash back 2%çç¥å¡ï¼ä½æ个人æ¯ä¸ç´ä¸å¤ªæ¨èï¼ä¸»è¦æ¯å 为cash backå æ¢åºæ¥å¾éº»ç¦ãèä¸ä¼ é»è¿å¼ å¡é©¬ä¸è¦æ¶å¤±äºï¼æ以个人ççä¸æ¨è&#8230; 并ä¸ç°å¨å¸é¢ä¸æå¾å¤ç±»ä¼¼ç产åï¼æ¯å¦ä¸é¢æå°çCiti Double Cashè¿æPriceline 2%.</span></p>
<p style="font-size: 13px;">4.<span style="font-size: 13px;"> Chase Sapphire Preferred</span></p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/59936-2f0052_83cd36d65abf4db8b5e3f5f58db57bca.png" width="46.61290322580645%"></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å¹´è´¹ï¼$95ï¼ç¬¬ä¸å¹´å å¹´è´¹</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> 第äºå¹´å¼å§æ¶å¹´è´¹ï¼ä¸è¬å¾é¾è¦å°retention offer</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å¼å¡å¥å±ï¼40000 points bonus+$50 ï¼å¦æå äºauthorized userï¼ï¼ éå¼å¡3个æå æ¶è´¹æ»¡$3000</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> åå²ä¸æ¾ç»æé«çå¼å¡bonusæ¯6W pointsï¼æåæ¥ç¾å½çæ¶åè¿æ5W pointsï¼å¤§æ¦å·²ç»æä¸å¹´åé½åªæ4Wäºã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Cash Backï¼ 2% Travel ï¼è¿éå æ¬æºç¥¨é åºç§è½¦å°é主é¢å ¬åçåç±»ï¼ï¼ and Restaraunt, 1% others ï¼æ¯ä¸ªæ第ä¸ä¸ªå¨äºRestarauntæ¯3%ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> 20% off when travel redeem through ultimate rewards </span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">å ¶ä»ä¼ç¹ï¼ å¢å¤æ¶è´¹æ æç»è´¹ï¼ï¼ä½æ®è¯´åä¸å½çæ±çä¸å¦discoverç好ï¼ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> æ°æ·»å çbenefit &#8211; ç§è½¦æ¯primaryä¿é©ï¼å 费带çï¼ï¼æ以ä¸åéè¦æ¾AMEXè±é±è´ä¹°å¦ï¼</span></p>
<p style="font-size: 13px;">ï¼èå®ç³æ¯èèå§çæç±ï¼ä¹æ¯ç®å使ç¨ç主æä¿¡ç¨å¡ã以åä¼åºä¸è¾æ ¢æ ¢ä»ç»ï¼</p>
<p style="font-size: 13px;"><span style="font-size: 13px;">ç³è¯·é¾æ¥ï¼</span><a href="https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CFFD2&;SPID=FCCP&;CELL=6RLH&;MSC=1515409826&;fb_ref=Default" target="_blank" rel="noopener noreferrer">https://creditcards.chase.com/sapphire</a></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Notesï¼1. “è¿å¼ å¡ä¹æ¯è®©äººåç±åæ¨ãç±çæ¯ï¼ä»æ¯è½å¤åfreedomå¡å ±ç¨ä¸ä¸ªultimate rewardsç³»ç»ï¼å¹¶ä¸æ¯é¾æ¥ultimate rewardsåç¾èèªmileageplusç³»ç»çä¸ä¸ªæ¡¥æ¢ã说å®è¯ï¼ç¾èèªçmilesçä»·å¼ä¸å®¹å°è§ï¼å¾å¾ä¸ä¸ªèªçï¼å¨ä¸åæ¶åçç¾å ä»·ä½å·®å¾å¤çæ¶åï¼ç¨milesæ¥å æ¢å´æ¯ä¸ä¸ªä»·æ ¼ï¼æ以å¨ææ¥çï¼milesçä»·å¼æ¯è¦å¤§äºdollarçï¼ç¹å«æ¯å¯¹äºå½é èªçæ¥è¯´ã”</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> 2ã æä¹æ¢éç¨ç¥¨ä¹æ¯ä¸é¨å¦é®ï¼ä»¥åä¼å¼ä¸é¢åæä»ç»ãä¸äºç®åçå°æå·§å§ï¼a. å°½éæ¢ä»·æ ¼é«äº$800çå½é èªçï¼åä»·æ ¼é«äº$500çå½å èªçï¼ b. éè¿stop by stopçéæ©ï¼å¯ä»¥åé åºåççæ 游路线ï¼c.æ¢å¤´çè±æ¯æ¢åå¡è±æ¢ç®ï¼æ¢åå¡è±æ¯æ¢å¤´çè±åç®ã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> 3. å¦å¤å°±æ¯ç»§è¥¿åèªç©ºçèªç©ºå ¬å¸ä¹åï¼UA pointså»å¹´3æä¹å¼å§è´¬å¼äºï¼é£ä¸å½çç»æµè±ä»ç°å¨ç65kåæ75kï¼åå¡è±ä»ç°å¨ç120kåæ140k头çè±ä»ç°å¨ç140kåæäº160kã</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">5. å ¶ä»</span></p>
<p style="font-size: 13px;">çå¦çæä¸å¸¸è§çå ¶ä»ä¿¡ç¨å¡è¿å æ¬Chase家çUnited MileagePlus Explorer, Southwest Airline, British Airways, Amazon.com, Citi家çHilton Visa Signature, Hilton Reserve, AMEX家çGolden Delta SkymileåBOA家çTravel AwardåAlaska Airlineã以åå主ä¼åä¸é¢æ ¢æ ¢ä»ç»ãæ¬è¯·å ³æ³¨ã</p>
<p style="font-size: 20px;"><span style="font-size: 20px;"><strong>Chapter 5. ä¿¡ç¨å¡éææ»ç»</strong></span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">ä¿¡ç¨å¡å¤ªå¤ï¼å¤´é½æå¦ï¼å¯¹äºæ¯è¾æä¸äºçåå¦ï¼æ¨èè®°ä½ä»¥ä¸è¿ä¹å ç¹å°±å¥½ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">&#8211; è¶ å¸è´ç©æè å æ²¹ï¼AMEX Blue Cash Everyday/Preferred</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> æè BOA Cash Reward</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">&#8211; é¤é¦ç¨é¤ï¼Citi Forward</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> æè FreedomåDiscoverï¼æ5% categoryçæ¶åï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">&#8211; 书åºï¼Amazonï¼ï¼Citi Forward</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> æè FreedomåDiscoverï¼æ5% categoryçæ¶åï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">&#8211; æ è¡ï¼SPG/Sapphire/èªç©ºå ¬å¸å¡</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">&#8211; å ¶ä»ï¼ Citi Double CashåFIAï¼æ°¸è¿2%ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;"> BOA Better Balanceï¼è±ä¸ç¹å°é±ï¼æ¿$120æ¯å¹´å¦ï¼</span></p>
<p style="font-size: 20px;"><span style="font-size: 20px;"><strong>Chapter 6. æ°çå ¥é¨çä¸äºå¸¸è§Q&;A</strong></span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Qï¼æ没æSocial Security Numberæ¯ä¸æ¯å°±ä¸è½å¨ç¾å½åä¿¡ç¨å¡å¢ï¼</span></p>
<p style="font-size: 13px;"><span style="font-size: 13px;">Aï¼ä¸æ¯çã</span></p>
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<p style="font-size: 13px;"><span style="font-size: 13px;">Qï¼Credit karma scoreæä¹è¿ä¹é«? è¿ä¹ä½?<br />
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<p style="font-size: 13px;"><span style="font-size: 13px;">Q: ä½ä¸ºå¦çï¼å¨ç³è¯·ä¿¡ç¨å¡çæ¶åï¼å¹´æ¶å ¥åºè¯¥æä¹å¡«åï¼</span></p>
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<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/93b57-2f0052_20facf478e97496da1035b0305420fa6.jpg" width="70.17563259986139%"></p>

来美国“小钱大玩”的第一课 – 为什么人人都在申请信用卡？（下篇）
