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Amex杀卡潮升级!你的积分还安全吗?最全转点建议来了

&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p>最近这波Amex杀卡潮,真的是有点杀疯了。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>从4月21日开始,短短几周,已经杀到第八轮了。<br>很多人是一觉醒来,Apple Pay 失效了,邮箱收到了&OpenCurlyDoubleQuote;Important Account Notice”,再登录账户发现——所有卡全凉,MR积分也直接清零,<strong>完全不给缓冲期<&sol;strong>。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这次风控并不是精准打击,而是&OpenCurlyDoubleQuote;广撒网”:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>不只是参加过Buying Group(BG)或收过Bill Pay(BP)的人在中招;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>正常消费、只有个人卡、甚至副卡用户也开始&OpenCurlyDoubleQuote;无差别被封”;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>有些人全家被杀、同地址下号也被连坐,真的是&OpenCurlyDoubleQuote;杀全家”字面意义。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>说实话,作为一个还活着的用户,我看完这些是真的慌了。<br>所以赶紧安排上了&OpenCurlyDoubleQuote;转点大撤退”——本文就来跟你们分享我家这次转分的策略,也顺便推荐几个<strong>目前相对安全&plus;实用的转点去向<&sol;strong>。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading"><strong>🧯为什么现在必须转点?<&sol;strong><&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>杀卡没预警<&sol;strong>:很多人是在Apple Pay或网页登录失效时才意识到账户被关;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>积分会清零<&sol;strong>:Amex关卡几乎都伴随积分直接作废,客服未必能帮你追回;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>转点有上限<&sol;strong>:每次最多转990&comma;000点,而且不同账户要间隔24小时才能再转;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>风控越来越激进<&sol;strong>:哪怕你没撸卡,只是大额转点,也有可能被系统当&OpenCurlyDoubleQuote;高风险”误杀。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>所以如果你手上有MR积分还没处理,现在就是<strong>该动手的时候了<&sol;strong>。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading"><strong>✈️我家这次选了谁?<&sol;strong><&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<p>我们实际是转到了<strong>国泰 Asia Miles &plus; Delta 达美航空<&sol;strong>。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<h4 class&equals;"wp-block-heading">✅ 国泰航空 Asia Miles(免手续费)<&sol;h4>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>我们家平时去香港多,而且常从HK转机飞亚洲,国泰确实好用;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>转点不收手续费,但18个月没活动就会清零,所以<strong>记得设提醒保活<&sol;strong>;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>航班选择多,适合中日、东南亚的换票。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h4 class&equals;"wp-block-heading">✅ Delta SkyMiles(永久有效)<&sol;h4>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>最大的优点:<strong>点数永远不过期<&sol;strong>,这点太方便了;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>系统稳定好用,兑换页面有中文界面,新手也不难上手;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>比如我们最近刚换了<strong>4张奥斯汀到夏威夷茂宜岛的单程机票<&sol;strong>,每人21&comma;500分&plus;&dollar;6,真的挺划算。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>💡<strong>小提醒<&sol;strong>:<br>Delta、Hawaiian这类转点都要缴纳联邦税,每次最高&dollar;99,还是划得来的。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>我们有一个账户大概200万MR点数,转Delta的时候分了<strong>三<&sol;strong><strong>次,每次间隔24小时<&sol;strong>才转完。虽然每次要交&dollar;99税,但这波能保住积分,已经是万幸了。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2025&sol;05&sol;image-4&period;png" alt&equals;"" class&equals;"wp-image-44218"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading"><strong>还有哪些可以考虑?<&sol;strong><&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<h4 class&equals;"wp-block-heading">🌴 夏威夷航空 HawaiianMiles(也推荐)<&sol;h4>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>点数也永久有效,而且跟阿拉斯加航空合作,航线实用性比以前强多了;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>如果你经常去夏威夷或者想飞西岸、加拿大路线,可以考虑;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>转点也收税,和Delta一样;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h4 class&equals;"wp-block-heading">🧾 不推荐转的:<&sol;h4>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>酒店合作方(比如Hilton、Marriott):兑换价值不高;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>冷门航司(Aeromexico、Iberia等):系统不好用,风险大;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>直接提现:不值,MR最大价值就是用来换机票。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading"><strong>🧷操作小贴士<&sol;strong><&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li>每次最多转99万点(990&comma;000 MR),多的要<strong>分批转、间隔24小时<&sol;strong>;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>想避免系统误杀,<strong>别一口气转太多账户<&sol;strong>,适当拉长节奏;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>转完记得<strong>保活、设提醒<&sol;strong>,尤其是国泰这类有过期机制的;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li>还活着的账户,尽快处理,别等风控找上门。<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-large"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2025&sol;05&sol;image-3-1024x307&period;png" alt&equals;"" class&equals;"wp-image-44215"&sol;><&sol;figure>&NewLine;

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