<p>å¨ç¾å½ççå¦çæ´»ä¸ï¼ä¸å¯ç¼ºå°çä¸ä¸ªè¯é¢å°±æ¯ä¿¡ç¨å¡ãä»åå¼å§å°ç¾å½å¤§å®¶ä¹æ¤ä¸ç²è®¨è®ºçdiscoverï¼freedomï¼å°æ¸æ¸å¼å§èèç³è¯·åç§æå¹´è´¹çèªç©ºå¡åé åºå¡ãæèªå·±å¨ç¾å½å¤§æ¦ç¨äºå¿«åå¹´çä¿¡ç¨å¡ï¼å¸¸ç¨çä¿¡ç¨å¡æ¯Chase Freedom, SPG(Amex), Chase SapphireåDiscoverï¼å ä¸UAåAAçfrequent flyer programãæ以å¨ä¹°ä¸è¥¿ä¹åï¼å°¤å ¶æ¯å¤§ä»¶ç©åï¼ï¼é¤äºAmexæ¶å¸¸æ¨çoffer以å¤ï¼ä¸»è¦æ¯ä¹°FreedomåDiscoverå¨5% categoryå çä¸è¥¿ï¼ç¶åä¼æ¯è¾Chase, Amex, Citi, Discover, UA åAAåèªonline shopping mallçcash backï¼è¿éæè¿ç¹æè è¿éç¨ï¼çç¾åæ¯ï¼æååå³å®éåªå®¶ãå½ç¶ä¸è¦å¿è®°æ们è¿æEbatesè¿ä¸ªå®æå®è¿ç°éçç½ç«ï¼ä¹å¯ä»¥åä¸ä¸ªåèæ åï¼<a href="http://www.ebates.com/rf.do?referrerid=P4T8gJWJXyy3FmpSld5xYg%3D%3D&;eeid=26471" target="_blank" rel="noopener noreferrer">www.ebates.com</a> ãEbatesåºè¯¥ç®æ¯å¨ç¾å½æ大çè¿ç°ç½ç«äºå§ï¼ææºå欢ç¨ä»å®¶çï¼é¤äºè¿çç°éå°è´¦å¿«ä»¥å¤ï¼å°±æ¯æ¶µççå家ç¹å«å¤ï¼å¤äºå大信ç¨å¡å ¬å¸åèªç©ºå ¬å¸çonline shopping mallã</p>
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<p>è¿ç¯å ¥é¨çº§æ¥å¿æ´æ¥è¿ä¸ä¸ªliterature reviewå§ï¼ç»¼åäºå ç¯æç®åçå°çè§å¾æ好çè°ç¾å½ä¿¡ç¨å¡çæ¥åï¼å ä¸æèªå·±çä¸äºç解ï¼å为ä¸ä¸ä¸¤ç¯ãå§ä¸æç å¼çä¸ä¸ã</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/3f7f0-2f0052_1e466b61d4fe46bcb30cd9c028b75dea.jpg" “”"74.19354838709677%"=""></p>
<p style="font-size: 20px;"><strong><span style="font-size: 20px;">Chapter 1. ä¿¡ç¨å¡çåè½</span></strong></p>
<p>ï¼è¿é¨å主è¦æèªMITBBSä¸æç»å ¸çä¿¡ç¨å¡å ¥é¨å¸åï¼</p>
<p>1. Buyer Protection or Buyer Security</p>
<p>æ¤ç±»æå¡ç³»ææ¶è´¹è äºè´ç©ä¹å天å éæç©åæå¤æ¯æãé失ãéçªæç«ç¾çäºç±ï¼å¯æåè´ç©æ¶æ®ååå¡é¶è¡è¯·æ±å 费修æ¤ãæ´æ°æè¦æ±æ¢ä»æé款ï¼èæ¶è´¹è åé¡»äºé失 ææ¯æååäºå¤©å ååå¡å ¬å¸æåºè¯·æ±ï¼claimï¼éç¥ï¼è¥å¿½ç¥äºæéï¼å¯è½ä¼ä¸§å¤±èªå·± çæçã</p>
<p>2. Extended Warranty or Buyer Assurance</p>
<p>ä¸è¬ååå¦çµè§ãçµè……ççéæåååææä¾ä¿è¯ä¹¦ï¼æ¤ç§ä¿è¯å¤§å¤é对å®åå 费维修æå¡èè¨ãä¸è¬ååºå¸¸ä¼é¼å±æ¶è´¹è å¦äºååä¿è¯å¹´éå¤å è´ååºææä¾ç延é¿æ éæå¡ä¿è¯ãäºå®ä¸ï¼ä¸è¬ä»¥ä¿¡ç¨å¡ä»å¸æ¶ï¼å³å¯èªå¨è·å¾ç±åå¡æºæææä¾ä¹å»¶é¿ä¿è¯ å¹´éæå¡ãè¿é¡¹æå¡ç³»æååéæäºå¹´ä»¥ä¸ä¿è¯ä¹ç©åå å延é¿å ¶åæä¹ä¿è¯å¹´éï¼ä½å åæ¶ä»¥ä¸è¶ è¿ä¸å¹´ä¸ºååï¼å¦åååæä¹å天ä¿è¯è ï¼åå¯å æ¤é¡¹æå¡èèªå¨ä¿è¯è³ä¸ç¾å «å天ï¼ä½è¥äºå¹´ä»¥ä¸ä¿è¯è ï¼å以延é¿ä¸å¹´ä¸ºéãä¸è¬ä¿¡ç¨å¡çæ é¡»äºå ç»è®°ï¼è¥éå åæä»»ä½æ¯æï¼åªè¦è¯¥ç©åä»å¨å»¶é¿ä¿è¯æéå ï¼åçå¯è¦æ±åå¡æºæå 费修æ¤è¯¥é¡¹äº§å ãä½ç¾å½è¿éå¡ï¼American Expressï¼åè¦æ±æ¶è´¹è é¡»äºè´ç©å 天å åçç»è®°ï¼è¥è¿äºå 天èæªç»è®°ï¼å°½ç®¡è¯¥ç©åä»å¨ååä¿è¯æéï¼ä¹æ æ³è¡¥å å ¥æ¤é¡¹æå¡ï¼å æ¤ææè¿éå¡è ï¼ä¸å¾ä¸çæã</p>
<p>3. Travel Accident Insurance</p>
<p>è¥ä»¥ä¿¡ç¨å¡è´ä¹°æºç¥¨æå ¶å®äº¤éå·¥å ·ä¹è½¦ç¥¨ï¼åºå¤æ 游æ¶ï¼å¯è·å¾äºä¸è³äºåäºä¸ä¸ çä¿é¢ä¹æå¤é©ä¿éï¼ä¿é¢é«ä½ååå¡æºæä¸åï¼è¯¦å¯æ¥é ä¿¡ç¨å¡åå®ä¹¦ã è¿è¾¹è¦å¼ºçæ¨èChase Sapphire Preferred! è¿å¡ç®¡æºç¥¨å 为天æ°åå åæ¶æè 延误çèµå¿ã天æ°åå åæ¶æè 延误é常ä¸å¨èªç©ºå ¬å¸è§å®çèµå¿èå´å ï¼æä»¥ä½ å¯ä»¥å°½æ æ¾Chaseç´¢èµå¦ï¼ååãï¼å¯ä»¥æ³ <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">Chase Sapphiare Preferred</a>)</p>
<p>4. Collision, Loss &; Damage Insurance</p>
<p>以信ç¨å¡æ¯ä»ç§è½¦è´¹ç¨æ¶ï¼å¯äº«å碰æãé失ãæ¯ææçªççæå¤é©ï¼å¦æ¤åå¯çä¸ å¹³åæ¯å¤©åè³åä¸ç¾å çç§è½¦ä¿é©è´¹ç¨ï¼ä½é常åä¿çç§è½¦æé以è¿ç»ä¸è¶ è¿ä¸ä¸ªæ为å åï¼èæ¿ä¿éé¢åèµå¿è§å®ååå¡åä½ææä¸åï¼ç§è½¦åï¼ä¸å¦¨å åä¿¡ç¨å¡åå¡åä½è¯¢é® æ¸ æ¥ï¼æ®ç¬è äºè§£ï¼ç®åç¾å½è¿éå¡ãAT&;T Universal Card å Chase Manhattanæåè¡ ä¹ä¿¡ç¨å¡çæä¾æ¤é¡¹æå¡ï¼èæ®é使ç¨ä¹Citibankä¿¡ç¨å¡åä¸å ·æ¤é¡¹æå¡åè½ãé¤äºä¸è¿°å¸¸è§çå ç§æå¡åè½å¤ï¼ç®åå é¤äºé¶è¡å¤çå ¶å®è¡ä¸ï¼å¦AT&;T, AAAåèªç©ºå ¬å¸ä¹ç¸ç»§å§æé¶è¡åè¡ä¿¡ç¨å¡ï¼è¿ä½¿å¾åæ¬å³å·²ç«äºæ¿ççä¿¡ç¨å¡å¸åºç«äºæ´å½¢ç½çåãå æ¤ååå¡åä½ä¹ä¸ææ¨éåºæ°ï¼æä¾æ´å¤æ ·åçæå¡ãèæ¤ç±»ç«äºååè½ï¼ä¸åçåå¡æºæï¼å ¶é´å·®å¼ç大ã</p>
<p>åCitibank, AAAæä¾ç¾åä¹åçç§è½¦ææ£ï¼è¿éå¡ãChaseãCitibank çæ¨åºä¸åä¼æ è§å®çå¦çææ£ææä»·å»ä»·æºç¥¨ï¼ä»¥åä¸å¡äºç¨ï¼å¯ç¨ä¸ºçµè¯å¡ï¼ä¼æ ï¼å¦Citibankãè¿éå¡ä¸MCIåä½æ¨åºä½¿ç¨ä¿¡ç¨å¡ä½ä¸ºçµè¯å¡æä»·ä¼æ ï¼AT&;T å ¬å¸çä¿¡ç¨å¡è¥ä½ä¸ºçµè¯ å¡ä½¿ç¨åå¯äº«åç¾åä¹åä¹ææ£ãå¦æé®è´æå¡ï¼æ累计æ¶è´¹ç¹æ°è·å¾é®è´ä¹æä»·ï¼å¦Citi dollaråChase Bonus dollarï¼çæ计ç¹å级è·å¾èµ åï¼å¦Citi bankä¿¡ç¨å¡å³æä¾äºæä¸æé´å å¦æ¶è´¹æ»¡å¤å°éé¢ï¼å¯ä¾çº§æ°è·å¾èµ åã诸æ¤ææç为å è´¹æå¡é¡¹ç®ï¼ååå¡åä½äº¦æä»è´¹å¼ä¹æå¡é¡¹ç®ï¼å¦å¡çä¿æ¤ï¼è¡æä¿é©çä¸ä¸è足ï¼è¿ç±»åæå¡çº¯ä¸ºé¦ä¸æ·»è±ï¼åè½ä¸å¤§ï¼çº¯è§ä¸ªäººéè¦èå®ï¼èä¸å¾å¾éå¦ç¼´åå å¹´è´¹è¥å¹²ã</p>
<p>以ä¸å ç§åè½ï¼é¦æ¨AMEXï¼ä»å®¶çå®åæå¡ä¸è´æ¯æèµçã</p>
<p style="font-size: 20px;"><strong><span style="font-size: 20px;">Chapter 2. ä¿¡ç¨å¡åæ°101</span></strong></p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/2f579-2f0052_8be6c77f6f5943cdba96de2d5d6fa765.jpg" “”"66.16559645129789%"=""></p>
<p>ä¿¡ç¨åæ°ç§¯æçè½½ä½æ¯Social Secuirty Numberï¼ä¸å½äººå欢缩ååæSSNï¼èç¾ææ¶åä¹å«Tax IDï¼éè¦å¨ç¾å½æå·¥ä½ï¼å æ¬on-campusçå ¼èï¼æè½æãæ¥è¯¢Creditä¸è¬æ¯è¦é±çï¼æ¨èå¨creditkarma.comä¸é¢ç³è¯·ä¸ä¸ªè´¦å·ä»¥æ¥è¯¢èªå·±çä¿¡ç¨åæ°ãå¼å¾æ³¨æçæ¯ï¼ç¾å½æä¸å¤§ä¿¡ç¨æ¥åæºæ EquifaxãExperian å TransUnion ï¼ä»ä»¬åèªçè¯ä¼°ç³»ç»ä¸åï¼æ以åæ°ä¹ä¸ä¸æ ·ï¼ècreditkarma.comæä¾çåªæ¯ä¸ä¸ªä¼°è®¡å¼ãcreditkarma.comæ¾ç»æ¯æ¯å¤©é½è½Updateäºï¼å¤§æ¦ä»å¤§åå¹´åæ¹æäºæ¯å¨updateä¸æ¬¡ãæCitiè´¦æ·çåå¦ï¼ä¹å¯ä»¥ä½¿ç¨ä»ä»¬å®¶æä¾çCiti Monitoræ¥è§å¯èªå·±çcreditã</p>
<p>1. Utilization</p>
<p>对äºåå¼ ä¿¡ç¨å¡æ¥è¯´ï¼å°±æ¯æ¯ä¸ªæçstatement balanceé¤ä»¥å®credit limitã对äºä¸ªäººçæ´ä¸ªä¿¡ç¨å¡æ åµæ¥è¯´ï¼å°±æ¯æ¯ä¸ªæçstatement balanceä¹åé¤ä»¥å®credit limitä¹åãå¨creditkarma.comçè¯ä¼°ç³»ç»éï¼utilizationçA级æ¯1% &#8211; 10%ï¼æ以æ è®ºä½ æ¯ä¸ªææ¶è´¹äºå¤å°é±ï¼å»ºè®®ä¸å®è¦å¨closing dateï¼æ¯ä¸ªæåºè´¦åçç»ç®æ¥ï¼ä¹åè¿æ¬¾ï¼ä¿è¯æ¯ä¸ªæçstatement balanceå°utilizationç1% &#8211; 10%ã è¿ä¸ªæ³¨æäºé¡¹å¯¹æ°æç¹å«éè¦ï¼å 为åæ¥çæ¶åä¿¡ç¨å¡ç»çä¿¡ç¨é¢åº¦é½ä¸é«ï¼é便ä¸æ¶è´¹utilizationå°±å¾é«äºã</p>
<p>2. Payment History</p>
<p>主è¦çæ¯å¦å¨due dateä¹ååæ¶è¿æ¬¾ï¼due dateåæ¯ä¸ä¸ªæminimum paymentçææä»æ¸ æ¶é´ï¼ãè¿ä¸ªå¤§å®¶ä¸è¬é½è½è®°ä½ï¼å¦æå®å¨å¤ªå¿çè¯ï¼ä¿é©èµ·è§å»ºè®®è®¾ç½®ä¸ªauto payãå¦æå¶å°æå¿è®°è¿æ¬¾ï¼é¶è¡ä¼chargeä½ late feeï¼å¯¹äºåç¯çåå¦æ¥è¯´é½å¯ä»¥å客æarguä¸ä¸ç»waiveæçãä»»ä½ä¸è¯è®°å½ï¼ç ´äº§ã被å¬åºãè¿è¿æ¬¾çï¼7å¹´æè½æ¶å¤±ï¼ï¼</p>
<p>3. Average Age</p>
<p>ææå¡ç使ç¨æ¶é´çå¹³åå¼ãå¨creditkarma.comçè¯ä¼°ç³»ç»éï¼å°äº2å¹´çå°±æ¯F级å«&#8230;æ以ï¼creditè¿ä¸ªä¸è¥¿ï¼å¤§å®¶é½åªè½æ ¢æ ¢æçãæ以就æ¯å»ºè®®å¤§å®¶ä¸è¦å ³éèªå·±ç第ä¸å¼ ä¿¡ç¨å¡ï¼å 为å®å¨ä½ çcredit historyéæé常éè¦çå°ä½ï¼</p>
<p>4. Hard Pull</p>
<p>æ¯æ¬¡ç³è¯·ä¸æ¬¡æ°çä¿¡ç¨å¡æè 贷款é½ä¼å¢å ä¸æ¬¡hard pullãPullå ¶å®å°±æ¯inquiryï¼ä¿¡ç¨æ¥åä¸ä¼ä»¥ä¸¤ç§æ¹å¼è®°å½inquiryï¼ä¸ç§æ¯åªæä½ æè½çå°çï¼è¿ç§å«soft pullï¼å¯¹ä¿¡ç¨åæ°åæªæ¥ç³å¡ç³è´·æ²¡æä»»ä½å½±åãè¿æä¸ç§æ¯hard pullï¼æææªæ¥æ¥çä½ çä¿¡ç¨è®°å½çæºæé½è½çå°è¿æ¬¡pullï¼ä¸è¬æ¥è®²å¯¹ä¿¡ç¨åæ°åæªæ¥ç³å¡ç³è´·æè´é¢å½±åãçæ¶é´å 大éçhardæ´æ¯ä¼è¢«ä¿¡ç¨æºæ认为æ¯é«é£é©ä»èæç»ä¿¡ç¨ãHardä¼è®°å½å¨ä¿¡ç¨æ¥åä¸2å¹´ï¼2å¹´åèªå¨æ¶å¤±ã</p>
<p>å¨ç¾å½åäºä¸æ®µæ¶é´çåå¦ï¼æå¤æå°é½ä¼æ¶å°é¶è¡æè ä¿¡ç¨å¡å ¬å¸å¯æ¥çpre-qualified/pre-selectedçcredit card application invitationãè¿ç§ä¿¡ä»¶åªæ¯å¹¿åï¼å¹¶ä¸ä¿è¯ä½ ç³è¯·äºä»¥åä¸å®éè¿ï¼ä½æ¯èµ°pre-quailified/pre-selectedç³è¯·æä¸ä¸ªå¥½å¤ï¼å®äº§ççinquiryæ¯soft pullã</p>
<p>å¼å¾æ³¨æçæ¯ï¼credit limit increaseå¯è½ä¼äº§çhard pullï¼æå°±åè¿è¿ä¸ªäºãæ¾ç»å¨å åç»CitiåBOAæçµè¯è¦æ±å¢å ä¿¡ç¨è®°å½ï¼ç»æCitiç»äºæä¸ä¸ªhard pullï¼æ³æ»çå¿é½æäºææ¨æï¼ï¼&#8230;æ以æå¨ç»BOAæçµè¯çæ¶åç¹å°é®äºä¸ï¼å¦æ客æè½å¤å½åºç»æ涨çé¢åº¦æ¯ä¸äº§çhard pullçï¼å¦ææè¦æ±æ¶¨çé¢åº¦æ¯è¾é«ï¼ä»ä»¬éè¦è½¬ç»ä¸é¨çé¨é¨å»å¤çï¼é£ä¹æ¶¨äºé¢åº¦ä»¥åå°±ä¼äº§çhard pulläºãå½ç¶ï¼å¦ææ¯é¶è¡ä¸»å¨ç»ä½ 涨信ç¨é¢åº¦ï¼é£ä¸ªä¸ä¼æ¯hard pullå¦ã</p>
<p>5. Total Accounts</p>
<p>ååä¸æ¯ä¿¡ç¨å¡accountè¶å¤è¶å¥½ã</p>
<p style="font-size: 20px;"><strong><span style="font-size: 20px;">Chpater 3. æ°æå ¥é¨ç³è¯·ä»ä¹ä¿¡ç¨å¡ï¼</span></strong></p>
<p>对äºåæ¿å°SSNçåå¦æ¥è¯´ï¼ä½ ä¹ä¸æ¯ä¸å®è½å¤é©¬ä¸ç³è¯·å°ä¿¡ç¨å¡çï¼å ä¸ºä½ æ²¡æcredit historyãè¿ä¸ªæ¶åä¸å¦¨å°è¯ä¸ä¸security depositçä¿¡ç¨å¡ãå ¶å®æç¹ç±»ä¼¼debitå¡ï¼å°±æ¯ä½ éé¢å¿ é¡»æåäºéé¢ï¼æ¯å¦$1000ï¼ï¼ä½ æè½æ¶è´¹ãä¸è¿å®ççæ¯credit cardï¼æ¯å¯ä»¥å¸®ä½ 积æä¿¡ç¨çï¼debit card没æè¿ä¸ªåè½ï¼å¦ãè¿ç§ä¿¡ç¨å¡å¾å¤é¶è¡é½æä¾ï¼ä¸è¿èèå°æä¹å说å°ç建议大家ä¸è¦å ³éèªå·±ç第ä¸å¼ ä¿¡ç¨å¡ï¼æ以建议大家è¦éæ©å¤§é¶è¡ç³è¯·ï¼æ¯å¦BOAãæ³è±¡ä¸ä¸ä½ æ¯Cornellçå¦çï¼åæ¥çæ¶åç³è¯·äºCFCUè¿ä¸ªæè§ç±»ä¼¼åæä¿¡ç¨ç¤¾çé¶è¡ï¼2å¹´ï¼ç¡å£«æ¯ä¸ï¼æè 5å¹´ï¼å士æ¯ä¸ï¼ä»¥åä½ ç¦»å¼åº·æï¼å«çå°æ¹æ²¡æè¿ä¸ªé¶è¡ï¼ä½ è¿ä¸ªå¡è¯¥æä¹å¤çå°±å¾å¤´ç¼å¦ã</p>
<p>é¤äºsecurity depositçä¿¡ç¨å¡ä»¥å¤ï¼å¦æä½ æ³ç³è¯·æ£å¸¸çä¿¡ç¨å¡ï¼æå 个å°æå·§è½å¤æé«ä½ çç³è¯·éè¿çï¼a. æ¾æårefer ï¼ä½ å¯ä»¥å¨æçæä¸æ¾å°å¥½å 个ç¥å¡çreferé¾æ¥å¦ï¼ï¼b. å»branchå½é¢ç³è¯·èä¸æ¯ç½ç³ç³è¯·ï¼c. å¨è¿ä¸ªé¶è¡å¼ä¸ä¸ªchecking/saving accountã</p>
<p>1. Discover It (for college students)</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/e239a-2f0052_943ea5c7c19643a7b8185abd25af3fff.png" “”"56.612903225806456%"=""></p>
<p>æ å¹´è´¹(Discover Moreçå级çï¼</p>
<p>å¼å¡å¥å±ï¼ä¸è¬æ²¡æãå¶å°ä¼æ3个ææ¶è´¹æ»¡$500ï¼è¿$75æè $100ã</p>
<p>åæ¶æ人referçè¯ä¹æ$50 bonusï¼èä¸æ¯æ¨è人å被æ¨è人é½æ$50ã</p>
<p>Cash Backï¼ 5%cash backcategory, å ¶ä»ç1%ã</p>
<p>æ¿ä»å¹´æ¥è¯´ï¼æ¯è¾è¯±äººçæ1-3æçrestaurantï¼7-9æçgaså10-12æçonline shoppingã</p>
<p>å ¶ä»ç¼ºç¹ï¼ä¸å°å°æ¹ä¸æ¶discover</p>
<p>å ¶ä»ä¼ç¹ï¼å¢å¤æ¶è´¹ä¸æ¶æç»è´¹å¦ï¼å 为Discover没æDCC (Dynamic Currency Conversion) ï¼æ以å¨å类没æå¢å¤æç»è´¹çä¿¡ç¨å¡ä¸ï¼é¦æ¨ä½¿ç¨discoverã</p>
<p>ç³è¯·é¾æ¥é¾æ¥ï¼ http://refer.discover.com/s/oox25e</p>
<p>ï¼è¿ä¸ªæ¯æçreferé¾æ¥ï¼ç¹å»çè¯ï¼ä½ åæé½æ$50æ¿å¦ï¼</p>
<p>Notesï¼ Discoveræ¯åä¸å½çé¶èæåä½ï¼å¨å½å å·å¡çæ¶åèµ°çæ¯é¶èééï¼å¦ææ¶é¶åä¸è®¤è¯discoverçå¡ï¼ä¸è¬è·ta说走é¶èééï¼æè ç´æ¥å°±è¯´ææ¯é¶èå¡å°±å¯ä»¥äºãæ±çåºæ¬ä¸çäºé¶è¡å½å¤©çä¹°å ¥ä»·ã</p>
<p>ä¿é©èµ·è§ï¼å»ºè®®åå½çæ¶åæå°åºè¿ä¸ªï¼<a href="https://www.discover.com/credit-cards/help-center/faqs/assets/DN_CUP_Wallet_Card.pdf" target="_blank" rel="noopener noreferrer">https://www.discover.com/credit-cards/help-center/faqs/assets/DN_CUP_Wallet_Card.pdf</a></p>
<p>æ¥è¯¢Discoverä¿¡ç¨å¡ç³è¯·ç¶æ请æ³ï¼<a href="https://www.discovercard.com/application/checkStatus?execution=e1s1" target="_blank" rel="noopener noreferrer">https://www.discovercard.com/application/checkStatus?execution=e1s1</a></p>
<p>ä»2013å¹´11æèµ·ï¼discoverå¯ä»¥æ¯ä¸ªæå è´¹æä¾FICOçä¿¡ç¨åæ°ï¼è¯·æ³ï¼<a href="https://www.discover.com/credit-cards/member-benefits/fico-credit-score.html" target="_blank" rel="noopener noreferrer">https://www.discover.com/credit-cards/member-benefits/fico-credit-score.html</a></p>
<p>2. Chase Freedom</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2018/08/a616a-2f0052_0f69e41df67c40d388e528b0643d6953.jpg" “”"48.38709677419355%"=""></p>
<p>æ å¹´è´¹</p>
<p>å¼å¡å¥å±ï¼$100ï¼éå¼å¡3个æå æ¶è´¹æ»¡$500ã</p>
<p>åå²ä¸æé«åºç°è¿è¿$300çbonusï¼ä½æ®è¯´åªæä¸å¤©ç¬é´æ²¡æäºï¼ç½ä¸ç©ä¿¡ç¨å¡çåè·¯é«äººé¢æµï¼è¿ä¸ªbonusåºè¯¥ä¸ä¼ååºç°äº&#8230;</p>
<p>2014å¹´æ¾ç»åºç°è¿2次$200çbonusï¼ä½å¾é¾è¯´2015æ¯ä»ä¹è¶å¿ã</p>
<p>Cash Back: 5% cash back categoryï¼å ¶ä»ç1%ã</p>
<p>æ¿ä»å¹´æ¥è¯´ï¼æ¯è¾è¯±äººçæ1-3æçmoviesåstarbucksï¼4-6æçrestaurantï¼7-9æçgaså10-12æçamazonã</p>
<p>å ¶ä»ä¼ç¹ï¼å¤§å®¶è¿ä¹éè§freedomï¼æ¯å 为å®çç¹æ°æçå¾å¿«ï¼èä¸åchase sapphire credit cardä¸èµ·ç¨ä»·å¼å¾é«ã</p>
<p>缺ç¹ï¼è¦åæ¥Chase UR pointsçåæï¼å¿ é¡»éè¿é£å¼ è¦å¹´è´¹çchase sapphire转ç¹æè chase ink转ç¹ã</p>
<p>ç³è¯·é¾æ¥ï¼<a href="https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CFFD2&;SPID=FCNF&;CELL=6RKL&;MSC=1505190148&;fb_ref=Default" target="_blank" rel="noopener noreferrer">https://creditcards.chase.com/freedom</a></p>
<p>3. BOA Cash Reward</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2018/08/9dc25-2f0052_bf53e9d8d0f340ceac8e99bec1a20468.png" “”"41.12903225806452%"=""></p>
<p>æ å¹´è´¹</p>
<p>å¼å¡å¥å±ï¼$100,ï¼éå¼å¡3个æå æ¶è´¹æ»¡$500</p>
<p>注æï¼è¿ä¸ªbonusåªæ¯é对online applicationï¼ä½ å¨branchç³è¯·å°±ä¸éç¨è¿ä¸ªbonusã</p>
<p>Cash Backï¼ ä¿ç§°1-2-3å¡</p>
<p>1% cash back on purchasesï¼ 2% on groceries and 3% on gas</p>
<p>å ¶ä»å¥½å¤ï¼ å¦æä½ æBOAçchecking accountï¼é£ä¹å¨ååºè¿äºè¿åçcashçå¦æéæ©æ¯éå°BOAçchecking accountï¼é£ä¹ä½ è¿æè½å¤æ¿10%ã</p>
<p>ç³è¯·é¾æ¥ï¼ <a href="https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go" target="_blank" rel="noopener noreferrer">https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go</a></p>
<p>4. BOA Better Balance</p>
<p><img class="aligncenter" src="https://travelwithless.net/wp-content/uploads/2015/04/5d620-2f0052_72f81d2cf5bb4fe29bd7797400dc8101.png" “”"41.12903225806452%"=""></p>
<p>æ å¹´è´¹</p>
<p>å¼å¡å¥å±ï¼æ </p>
<p>Cash Backï¼ $120</p>
<p>æ¯ä¸ªæé½æ¶è´¹ï¼æ¶è´¹å¤å°æ æè°ï¼ï¼å¹¶ä¸æ¯ä¸ªæå¿è¿é«äºminimum paymentçéé¢ï¼é£ä¹æ¯ä¸ªå£åº¦ä½ ä¼å¾å°$25çcash backãå¦æä½ æBOAçchecking accountï¼é£ä¹æ¯ä¸ªå£åº¦å°±æ¯$30çcash backï¼æ以æ¯å¹´åºæ¬æ¯å è´¹æ¿$120ã</p>
<p>ç³è¯·é¾æ¥ï¼ <a href="https://www.bankofamerica.com/credit-cards/products/better-balance-rewards.go" target="_blank" rel="noopener noreferrer">https://www.bankofamerica.com/credit-cards/products/better-balance-rewards.go</a></p>
<p>5. Citi Forward for College Students ï¼ä¸åæ¨èï¼</p>
<p>ç®åè¿å¼ å¡çæ°å¡ä¸åæåé¥å书åºç5%å¦ï¼èå¡ä¸åå½±åï¼æ以åºæ¬ä¸ç®æ¯åºå¡ä¸å¼ äºã</p>

来美国“小钱大玩”的第一课 – 为什么人人都在申请信用卡？（上篇）
