从小热爱计算机和数码的水瓶座 INTP手机卡/银行卡/驾照/身份证/签证移民/留学/etc，美国为主非中介，不是运营商的，不是银行的，也不是学校官方人员，一边摸着石头一边过河，立志打破信息差，公益分享与科技数码金融相关的资讯从 2023 年 6 月开设小红书至今本频道的原创信息均采用 CC BY-NC-SA 4.0 知识共享协议 发布；请不要绕过小红书直接在内地平台分享本频道的内容，取而代之分享小红书笔记即可，谢谢！友情链接：@encmasuta@LetITFlyWhttps://tab.letitfly.mehttps://tab.letitfly.me/posts/530https://tab.letitfly.me/posts/530Sat, 17 Oct 2026 21:49:52 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-530-0" popovertargetaction="show" aria-label="Open image preview: 佛系用卡（阶段性精简结果）最近几年陆续办了很多张信用卡，就像游戏通关，解锁新卡过程能获得很多乐趣"> <img src="/static/https://cdn5.telesco.pe/file/P7H24fczcisSgQHC7IUpVhqJ2QHaq06KswAVJpQfzF-mcBW41MsXeZJdu60HZsWkweFSiBviZ-wQoEL8Hh1_1T-As0Q6xTYCzYOGTKzwyl7B5YsoY-N9sSFWsOvhR252GrG1ZTz2SPI1jh8HvuOW5IUydF5aSlE56LLGw612jo_O6BGh-UzwjRV_zTO9UIzi_AEE5gDzYcGJbndYRgTO4SGP-pNMJGEWUNwwx5O47JmgLm-vie6zES_obSPQRmebKYV0505pgAyBFfqFFn3KNWsNSqCJ_cvtdJgH8gJXmiLKuFarU7Lu2LQ0dbXYUAD1CMHxEcAb7gnYpQSDuESfaw.jpg" alt="佛系用卡（阶段性精简结果）最近几年陆续办了很多张信用卡，就像游戏通关，解锁新卡过程能获得很多乐趣" width="602" height="800" loading="eager" /> </button> <div class="modal" id="modal-530-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-530-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-530-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><b>佛系用卡（阶段性精简结果）</b><br /><br />最近几年陆续办了很多张信用卡，就像游戏通关，解锁新卡过程能获得很多乐趣。<br /> <br />但随着各家银行权益缩水、积分贬值，越来越觉得很多卡已沦为鸡肋，甚至成为负担----经常在付款前纠结刷哪张、掐着点抢活动名额、琢磨怎么用掉权益、盘算再刷多少才能达标，还会在小红书和工种号上耗费大量时间研究那点小羊毛。<br /> <br />为了彻底省心，最近注销了一大批卡，目前只保留以下几张：<br /> <br />[星R]汇丰Pulse<br />*场景：Applepay，云闪付，Rewards+<br />*年费：可豁免<br />*特点：返现比例4.4%+，优先主刷<br /> <br />[星R]东亚UDC<br />*场景：微信、支付宝<br />*年费：可豁免<br />*特点：返现比例3.2%+，与Pulse消费渠道互补<br /> <br />[星R]农行东航白：<br />*场景：兜底所有不支持外卡的商户<br />*年费：30笔刷免<br />*特点：主副卡同权益，全渠道无损12:1换里程<br /> <br />[星R]农行精粹白：<br />*场景：境外线下<br />*年费：30笔刷免<br />*特点：Visa拍卡丝滑，农行境外活动暂时还能打<br /> <br />[星R]C1 Savor：<br />*场景：境外线上<br />*年费：终免<br />*特点：免FTF，虚拟卡安全方便，线上无拒付<br /> <br />[星R]<mark class="highlight">AMEX</mark> Marriott Brilliant：<br />*场景：每月餐饮刷一笔<br />*年费：刚性650刀<br />*特点：免FTF，餐饮报销+PP+万豪权益<br /> <br />本来已经精简到以上六张了，最近得大佬指点又办了两张：<br /> <br />[星R]中信万豪金：<br />*场景：纯抽屉<br />*年费：终免<br />*特点：9折订房+5定级房晚<br /> <br />[星R]Chase IHG One Rewards：<br />*场景：先刷满开卡礼，然后纯抽屉<br />*年费：终免<br />*特点：免FTF，IHG火种，目前史高125k分<br /> <br />毕业！<br /><a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#信用卡">#信用卡</a> <a href="/search/result?q=%23%E5%86%9C%E8%A1%8C" title="#农行">#农行</a> <a href="/search/result?q=%23%E6%B1%87%E4%B8%B0" title="#汇丰">#汇丰</a> <a href="/search/result?q=%23%E4%B8%9C%E4%BA%9Audc" title="#东亚udc">#东亚udc</a> <a href="/search/result?q=%23Amex" title="#Amex">#Amex</a> <a href="/search/result?q=%23Capitalone" title="#Capitalone">#Capitalone</a> <a href="/search/result?q=%23Chase" title="#Chase">#Chase</a> <a href="/search/result?q=%23%E4%B8%9C%E8%88%AA" title="#东航">#东航</a> <a href="/search/result?q=%23%E4%B8%87%E8%B1%AA" title="#万豪">#万豪</a> <a href="/search/result?q=%23IHG" title="#IHG">#IHG</a><br /><br />source: <a href="http://xhslink.com/o/2SE100aXSXs" target="_blank" rel="noopener" title="http://xhslink.com/o/2SE100aXSXs">http://xhslink.com/o/2SE100aXSXs</a><br /><br />by 小红书 如一https://tab.letitfly.me/posts/522https://tab.letitfly.me/posts/522Sat, 17 Oct 2026 18:44:58 GMT<div class="image-list-container image-list-even"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-522-0" popovertargetaction="show" aria-label="Open image preview: 美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡"> <img src="/static/https://cdn5.telesco.pe/file/rLz-lTDeYjggwV1fqDOn_cpf5SCvSsAOpMBKSJc7mEOSDL80SsADPk3QSWIQ6y39W0VSGIAL_sLvH3cnetvT8nlJdQlU73tRz-vF94trWdQlI-ANhgAp-yzmzM7KytvFbWEtujSPVKSbsMiDbvl1ZA-paO52OnLwz9mTVLfXKvAY-GHJJwPW2BQQAik0xNFKAKNhrPHcXVD7mWVpi5wHBKqeXanx7Vyj6gYPUTE7DX0wD00XRZFD248xZPN3TT0j8gn95N1khT9YXapLUH0mEL8Actv6IlHi1OlM6Vd1_cNO2jrCDXzVkSKQAXP4KbwXuocMffui-yY_4kvhHQb5MQ.jpg" alt="美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡" width="185" height="185" loading="eager" /> </button> <div class="modal" id="modal-522-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-522-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-522-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-522-1" popovertargetaction="show" aria-label="Open image preview: 美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡"> <img src="/static/https://cdn5.telesco.pe/file/SQqKSgcyHMutj-FmLYNoLYisFTJClCakWlrM4cqN6jl5N4hPZzxw7sYiBJ6FlSs70n_4AtnWDEdaDLQsxvjao6NcaoIY3GYou5-7vCVAYj2KWY__FnXSLxZHk_Xy1l5xgECcDPyU5jt5n4wXwk9K0Os2qITnZJJK8oUVEL1pnglW4KdShV3JbZJ4p6wEZ6BooUneXh9McPSbglElBR9WcQRzODi8_j29bDZ9S5Hd262CFtN3X6h5cS9-xWaJ20lccKD9hpkH-XKckWL1GLgRxmaNtJjdKVz5wFbXZuH7URFRt-0iIWN43jlU18cn96rvM_hHDDB23Sfcce4whHwgDA.jpg" alt="美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡" width="123" height="185" loading="eager" /> </button> <div class="modal" id="modal-522-1" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-522-1" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-522-1" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-522-2" popovertargetaction="show" aria-label="Open image preview: 美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡"> <img src="/static/https://cdn5.telesco.pe/file/LMAokJ9ypjjdRpyz-J1GschwHeTkUeOjlGFjVGXjRw7sEo-KYgXrkK4C1ibzljZaAiygvDvZTVUSpEHX9PVSas1oqTrWGWCNnIfkRXuhcgv3ALXOqOspJnEQ-KmmXte6U1R1ht-w4qQvtAXF7KNslH0xit2FHU_7erNuXz7fFMTmUVYm7qJWUFm0JXmx28R1P1TB6DZq5XRKdLVGqNfsejzRrpJPzxd6TO0IybOsxSUXCFQjA4WtV72a41raKwS3DXfR0UgYNvAqMg6ku9dQNCpL-c7Thkc1-VqLqwxaXRNTABqswjSxWFmrNTV2R1XNL3ODMTP9Lzh_sj3PgDHHZw.jpg" alt="美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡" width="141" height="185" loading="eager" /> </button> <div class="modal" id="modal-522-2" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-522-2" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-522-2" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-522-3" popovertargetaction="show" aria-label="Open image preview: 美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡"> <img src="/static/https://cdn5.telesco.pe/file/tjPh2SA5HlpXiMGCbFqOVj4FN1zOgXDBtyb2PaT825Dif01sNfXR-LR95rw1dO3HpzUw0JmlkU9EfXQlmGdcMfPCd_kooRWYioJnLlC90TuEscyFEMh2z7F2qkz8BRoh2JXI66t2gqyR-Bu-w5SQSQBuccjRk8COSyLsAoBp_NN1FXDKReXqu64nTwcTHEU32nCIDydrus1gcmNXwetqNCQ2LraogjdDvV8O4dmiq5y1Bpzf9_kzqD77SG-3-nCYNkx2F-wUNgjODJI3Pmd4m4CuvZ6sATEeU04J54ctDO_mtGpC2ZJ9Y2PLyWYaFiyhfgShgr2OYLRv8V0amKolhw.jpg" alt="美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡" width="128" height="192" loading="eager" /> </button> <div class="modal" id="modal-522-3" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-522-3" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-522-3" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-522-4" popovertargetaction="show" aria-label="Open image preview: 美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡"> <img src="/static/https://cdn5.telesco.pe/file/KPz3MUiyY7ocSOf88dcpyaLOc7eWWA3SGoWbYBsCtQyBTV5iO7Z8lsI0VMqkmmzp2QOCzhUrvnl42jIv6eWTYSVt8Oe0tyCso7CbzvxUqcGQUQkx3Sg-_SCw9uYz9upSH8NRhKp5TeuNuKkWYpmLa8ALdeUj7H0bpUqA-JqdOBg80IPM4Ll4NxhxnWJwTDo-th9hnjAw7HmroGW73yxQyG7-HVGHpCSrtT0ayS6F_kf_MY_i0shFXIgvi6gkHQCo--MYUAd5n6Mznq1o-bpZ-V53Smq4mCUb7M1rlrWR5f4iMDXG2AGTvpS_LEhU65pf--54cfrGKx_M4cLWEtThsA.jpg" alt="美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡" width="161" height="192" loading="eager" /> </button> <div class="modal" id="modal-522-4" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-522-4" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-522-4" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-522-5" popovertargetaction="show" aria-label="Open image preview: 美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡"> <img src="/static/https://cdn5.telesco.pe/file/l3BXtjZTqKO9Qnu8SHGzvY36NHCVeLjqJ9krkPvS75WOI8LmNGQwlSgz4L_IOvLSABgSCZ61YW9SGClw44Hr9DSYrEd9DDaczRMKaLTrFbvefHVpa2Lx90PDbngMr24bAkXv0O-iKo3O7VMtZUYOU8nKdQ36Wq5dc78pTnFJ3dnsbKuaT-YmuMQUaX1NZDXWPjj0ssJe8qvC_MSsEzhpWhhrsoygCqF7l97BQDD0BBoTyQTzzvLZDkl-2JjBkobKE0BDhOwJj14ojC_ak90ps-u3T3B-7RjM2XX42hOV4GLOUFMv6rPOX1ThNo0zfwzuguiXAMeael9U1gSueAoXag.jpg" alt="美卡新手阶段性总结：出新手村后的4张目标卡玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡" width="160" height="192" loading="eager" /> </button> <div class="modal" id="modal-522-5" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-522-5" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-522-5" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><div class="tgme_widget_message_text js-message_text"><b>美卡新手阶段性总结：出新手村后的4张目标卡</b><br /><br />玩美卡5个月了，目前下了6张卡了，听说有些卡后期不批核了，所以最近先不乱申卡。要沉淀几个月冷却下。（图中是三家信报的分数，ex还没出分）<br /> <br />几个月以后打算冲：<br />boa的summit<br />ae的商金<br />c1的vx<br />citi的strata premier。<br /> <br />四张最近都想要[捂脸R]，还没规划好顺序。大佬们有什么建议吗？<br /> <br /><a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1" title="#美卡">#美卡</a> <a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#美国信用卡">#美国信用卡</a> <a href="/search/result?q=%23%E7%8E%A9%E5%8D%A1" title="#玩卡">#玩卡</a> <a href="/search/result?q=%23%E8%96%85%E7%BE%8A%E6%AF%9B" title="#薅羊毛">#薅羊毛</a> <a href="/search/result?q=%23%E5%8C%97%E7%BE%8E%E7%94%9F%E6%B4%BB" title="#北美生活">#北美生活</a> <a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E7%94%9F%E6%B4%BB" title="#美国生活">#美国生活</a> <a href="/search/result?q=%23CapitalOne" title="#CapitalOne">#CapitalOne</a> <a href="/search/result?q=%23VentureX" title="#VentureX">#VentureX</a> <a href="/search/result?q=%23Amex" title="#Amex">#Amex</a> <a href="/search/result?q=%23Citi" title="#Citi">#Citi</a> <a href="/search/result?q=%23BankofAmerica" title="#BankofAmerica">#BankofAmerica</a> <a href="/search/result?q=%23%E6%88%91%E7%9A%84%E7%8E%A9%E5%8D%A1%E6%97%A5%E5%B8%B8" title="#我的玩卡日常">#我的玩卡日常</a> <a href="/search/result?q=%23%E7%94%B3%E5%8D%A1%E8%AE%B0%E5%BD%95" title="#申卡记录">#申卡记录</a> <a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1%E5%88%86%E4%BA%AB" title="#信用卡分享">#信用卡分享</a><br /><br />source: <a href="http://xhslink.com/o/wRuWFA9CuV" target="_blank" rel="noopener" title="http://xhslink.com/o/wRuWFA9CuV">http://xhslink.com/o/wRuWFA9CuV</a><br /><br />by 小红书 Juice</div>https://tab.letitfly.me/posts/504https://tab.letitfly.me/posts/504Fri, 16 Oct 2026 04:12:43 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-504-0" popovertargetaction="show" aria-label="Open image preview: Chase IHG首卡12个月信报"> <img src="/static/https://cdn5.telesco.pe/file/N5G_o1KPd3PiomoHqx3LwQyEArKtGW4--TO-Yk9qW6EeD5NxwJb1CjCpcpMKPpyWtaL_qQfcTtkVucTcWPiWKbNEHZ2R2YeN5b3Hxyr63fS8UNC7ccmT8SFjgjoLbxEtgckUhuKjh2FRnmsddGuQ1J2nogcllyp-9c8rC3G3Al4EikGnoiPD1PiY9l5o2lY2M6SJlfg3DHh_hZH1M8VhfmtEN31hiI5OZ34yhlQjhJUIYdbnRN2vmh7lJyVVFoOOUt5qVfLH-DApkCVSw_UxD94KDoP9s2X4_UiQkoNZH753H95o8b7dtAoUFSCGw6Y3g6RlsBXOt_vK2Cp3NiOX-g.jpg" alt="Chase IHG首卡12个月信报" width="473" height="631" loading="eager" /> </button> <div class="modal" id="modal-504-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-504-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-504-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><b>Chase IHG首卡</b><br /><br />12个月信报。<br />一共5次电话。<br />10.10<br />Apply，没动静，当天直接call，接通电话验证手机短信，发了邮件要求上传三件套，传了之后说无法获取正确信息，又让二次上传补了材料，然后又没动静。<br />10.11-10.12<br />恰逢美国周末和假期<br />10.13<br />继续打，回复说申请被关闭，无法继续recon，让我30天后重新申请，没有问具体原因。我猜问了也不会说。<br />10.14<br />第一次问原因，第一次收不到chase 的短信，最后用回拨方式通过验证，我说找主管，扯了半天受不了说人工无法干预最后拜拜。<br /> <br />第二次是印度妹，听不懂说什么，找了翻译，第二次还是收不到短信，最后回拨通过验证，说了一些和本人无关的奇怪信息，我全部说“不是我”，最后给答案说“材料不符合要求”，无法在线核实身份，信息不符合审核的让我带纸质身份信息线下找银行职员协助申请，说什么都是必须线下无法在线，让人非常生气。<br /> <br />本来要放弃睡觉的，后来越想越气，干脆直接顺着第二个给出的答案打过去，利用印度妹所说的身份信息不匹配，验证完信息，这次手机能收到信息，然后找了翻译，告诉客服“我很生气，我怀疑你们用其他人的身份冒充了我的信息“，然后就让我等一下，二十几分钟后帮我重新匹配身份完和再次查看申请进度，中途翻译失踪了，又花了十几分钟找新的翻译，最后询问了我填写的另外一个user 的名字，然后等了几分钟，就听到额度8500，获批成功。<br /> <br />总体来说，我是再也不想打chase 电话，真的心累。<br /> <br />额度还可以，美卡第四卡。<br /><a href="/search/result?q=%23chase" title="#chase">#chase</a> <a href="/search/result?q=%23Amex" title="#Amex">#Amex</a> <a href="/search/result?q=%23Capitalone" title="#Capitalone">#Capitalone</a> <a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1" title="#美卡">#美卡</a> <a href="/search/result?q=%23itin" title="#itin">#itin</a><br /><br />source: <a href="http://xhslink.com/o/71UqpmvGU" target="_blank" rel="noopener" title="http://xhslink.com/o/71UqpmvGU">http://xhslink.com/o/71UqpmvGU</a><br /><br />by 小红书 花漫九州https://tab.letitfly.me/posts/329https://tab.letitfly.me/posts/329Fri, 02 Oct 2026 06:24:07 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-329-0" popovertargetaction="show" aria-label="Open image preview: 美卡☁️新人一年总结💳前言：说起来玩美卡还是从港卡开始的"> <img src="/static/https://cdn5.telesco.pe/file/ZEYjH1kYnPBVtQ9EW3dst4V5f3c-B90i5BDXkXlcyxrbYXruw6umo5eAz-3N8tvR1CttZkEg2oEactTisRH9Dh40l-TxBQrEQpBqwyckM95tVsKMVTizEd4KWdsWregzWWDY-92KhIOoVeGa0SKxvQyVB-hXuE2S8iqyP1U15Lv4JEkvZYlOnmipskMuDkz2mxcMBQN2aq42lBfMsGFzsqVao0oOGUWP8LP8GS5xWXV4PPpK5AWpRxUSSI3gAyOYwC3rl_pS4xI5STcG1zsVMQDTDnUFtdf0jqELI_39v8PtuUE8YqnLZo0gx6LAoEegTn_hGYElkSffXaNUurV2iA.jpg" alt="美卡☁️新人一年总结💳前言：说起来玩美卡还是从港卡开始的" width="621" height="800" loading="eager" /> </button> <div class="modal" id="modal-329-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-329-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-329-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><b>美卡<i class="emoji"><b>☁️</b></i>新人一年总结<i class="emoji"><b>💳</b></i></b><br /><br />前言：说起来玩美卡还是从港卡开始的。当时因为工作搬到香港，HSBC 账户里不到 1 砖批了第一张启蒙卡 Pulse。被其返现力度震惊到了从而开启玩卡新世界！后面偶然刷到了美卡，以前在国外时也有开信用卡，但总觉得1-2%返现很鸡肋，在隔壁村呆了多年去过十几次漂亮国都没意识到美卡羊毛多香……<br /> <br />2025.08｜无 ITIN 第一张美卡：用澳洲 <mark class="highlight">Amex</mark> GT 申请 <mark class="highlight">Amex</mark> Hilton 白卡，只要了护照秒批 10k 额度。<br /> <br />2025.10｜ITIN 顺利下号。<br /> <br />2025.11｜为了把 ITIN 挂上信报，申请 C1 Quicksilver，上传三件套后顺利批核，后面product switch成savor。<br /> <br />2025.12｜圣诞假期飞美国开了5家银行Checking（基本都是随机 Walk-in）。同时账户无砖线上申请 Chase CFU，线上线下 Recon 被标记多次怎么都无法批核，加上账户被锁了两次，只好无奈放弃。<br /> <br />2026.01｜Chase 万豪史高没忍住又冲了！打电话不出意外被拒，提示信用历史太短且余额不足。因为当时正准备入金做 Chase Saving $900 的 SUB，直接搬了 1.5 砖后 Recon 顺利下卡。<br /> <br />2026.01｜趁着账户有砖，打电话重新申请 CFU，一个电话意外丝滑下卡。<br /> <br />2026.05｜期间为了等 Chase 524 没有申请其他卡。本来想等 CSP 史高，结果实在没忍住冲了 CSR 150k。Recon 多次被拒，还白吃8 个 HP，花了几周才删掉。<br /> <br />2026.06｜CSP 100k 史高回归！申请系统秒拒，马上打 Recon 同时往账户搬了 2.5 砖。过程艰难但最终顺利下卡，至此 Chase 524毕业。<br /> <br />2026.07｜申请 <mark class="highlight">Amex</mark> Aspire 锁三大信局秒批；同时在首年周年前将之前的白卡升级为 Aspire。因为已经524，又申请 BoA Travel / Citi AA / <mark class="highlight">Amex</mark> Delta Gold，结果全部系统秒拒，Recon 失败。<br /> <br />2026.08｜为了丰富信报，开了 3k 的 NFCU Secured Loan。<br /> <br />美卡主要是sub和权益，平常还是刷港卡返现比例更高。<br /> <br /><a href="/search/result?q=%23chase" title="#chase">#chase</a> <a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1" title="#美卡">#美卡</a> <a href="/search/result?q=%23%E4%BA%91%E5%B1%85%E6%B0%91" title="#云居民">#云居民</a> <a href="/search/result?q=%23amex" title="#amex">#amex</a> <a href="/search/result?q=%23%E6%B8%AF%E5%8D%A1" title="#港卡">#港卡</a><br /><br />source: <a href="http://xhslink.com/o/2qlohXtyE5p" target="_blank" rel="noopener" title="http://xhslink.com/o/2qlohXtyE5p">http://xhslink.com/o/2qlohXtyE5p</a><br /><br />by 小红书 momohttps://tab.letitfly.me/posts/323https://tab.letitfly.me/posts/323Fri, 02 Oct 2026 06:18:54 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-323-0" popovertargetaction="show" aria-label="Open image preview: AMEX 2 卡批卡8 月 23 日申请，要了地址证明上传后提示14天8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度AMEX 2 卡，首卡是 Green，已经持卡10个月更新：25 号收到，发的 Fedex priority 七月的时候申请过，那时候信用分太低,卡4506C这次申请分数之前查的应该是705左右 #AMEX #美卡 #Applepaysource: "> <img src="/static/https://cdn5.telesco.pe/file/WO7jfjFCcEzmsyUAAW_C0yHeB1SWKtkcxYBMi2s5OBriefImwfzRV857OOt3s1yrkRlpwzN8xu6IZzjHtW7uarrSQYVRvq-duGtZUqbVqhX4b1ciWOYWGxhqghB9C2vWSq2O_0AfUCeMLaZ5OzDNwCgwdpwdX3M9OUeCGA0-BqUerbzwgAes8rigq7fz8vx-mrnAgwrtl0_3lvy4iangFIqKUf_iMR7b3BGiGUSkXg9U5Mr_uwStN7QmMNXLKQrQB8HvVnAMZbXKSUxDoHQOu47k8ZOSLoFAvxOa6BjkLUuBnkbnlck-SZ9H-1uZlAiVDPO6tFMVxgDiWcTur7rgrA.jpg" alt="AMEX 2 卡批卡8 月 23 日申请，要了地址证明上传后提示14天8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度AMEX 2 卡，首卡是 Green，已经持卡10个月更新：25 号收到，发的 Fedex priority 七月的时候申请过，那时候信用分太低,卡4506C这次申请分数之前查的应该是705左右 #AMEX #美卡 #Applepaysource: " width="226" height="604" loading="eager" /> </button> <div class="modal" id="modal-323-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-323-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-323-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-323-1" popovertargetaction="show" aria-label="Open image preview: AMEX 2 卡批卡8 月 23 日申请，要了地址证明上传后提示14天8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度AMEX 2 卡，首卡是 Green，已经持卡10个月更新：25 号收到，发的 Fedex priority 七月的时候申请过，那时候信用分太低,卡4506C这次申请分数之前查的应该是705左右 #AMEX #美卡 #Applepaysource: "> <img src="/static/https://cdn5.telesco.pe/file/MPGw7MuG5Cidg86Ky3GWTFikXxhhzk86-JRcen6-cDQVOPq2W-GV0vD3uZEQ_FjrJx_NK1B5Sykj4k_nl_IhGAMdq5TOY06FCI97FzxUQtnVs6QRTJAapOFx0Rl-D5vgoP1vakzT8fYqAtyn6BcaUjEzQJtc09L14Ex2GUC1E88UmLafJQ_6Mcn9XdHQsid__kHHts9Hl2OqsXPHG-cYMdBj9qFdUQ35Qxz9NUoS0QHb-tzZf6-tqXYf4vpYaaGRYDsT6DjYTx2kZ3xuyA3QBQyEmwhPOldoSncW4yaahsoEyuPDMaYL0hQ89QcpJ54TK6f3uMtdefGqiYWvKkWQtw.jpg" alt="AMEX 2 卡批卡8 月 23 日申请，要了地址证明上传后提示14天8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度AMEX 2 卡，首卡是 Green，已经持卡10个月更新：25 号收到，发的 Fedex priority 七月的时候申请过，那时候信用分太低,卡4506C这次申请分数之前查的应该是705左右 #AMEX #美卡 #Applepaysource: " width="225" height="301" loading="eager" /> </button> <div class="modal" id="modal-323-1" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-323-1" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-323-1" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-323-2" popovertargetaction="show" aria-label="Open image preview: AMEX 2 卡批卡8 月 23 日申请，要了地址证明上传后提示14天8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度AMEX 2 卡，首卡是 Green，已经持卡10个月更新：25 号收到，发的 Fedex priority 七月的时候申请过，那时候信用分太低,卡4506C这次申请分数之前查的应该是705左右 #AMEX #美卡 #Applepaysource: "> <img src="/static/https://cdn5.telesco.pe/file/VB-j3H2vWZof8OiFo5mPrhoBje_ODBesQ7KZi6atZ7y_wVlmXCEKoOmuwMAxqr5ZumXddSYbEhLvyRJnbHbKV-3FVS0XB9GWhKNfw8RQdxUvjKiuekF2iWeSovrtXh1-3-seLbNZHTLa7qzYPaqXaK9zHsznriZrk3r_Uj8_LVC17JAqcE_TDgZuJFLrGuJPyx_KuTizjF0GIr05Z6dIifxF6J7oGxjzB8rGJYQh-tEQNcuvDXUCQlk1ulwkjwswKG6xl4JG0MQKIg7zR0JmrMvtBdPX_BD_ug5TO3gh52iVLcH4L7tgMczLPb1-dRH9_IDwtgPevlpoAJ7_CnUzCg.jpg" alt="AMEX 2 卡批卡8 月 23 日申请，要了地址证明上传后提示14天8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度AMEX 2 卡，首卡是 Green，已经持卡10个月更新：25 号收到，发的 Fedex priority 七月的时候申请过，那时候信用分太低,卡4506C这次申请分数之前查的应该是705左右 #AMEX #美卡 #Applepaysource: " width="225" height="301" loading="eager" /> </button> <div class="modal" id="modal-323-2" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-323-2" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-323-2" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><div class="tgme_widget_message_text js-message_text"><mark class="highlight"><b>AMEX</b></mark><b> 2 卡批卡</b><br /><br />8 月 23 日申请，要了地址证明上传后提示14天<br />8 月 24 日打 1083 电话查询，告知批卡，3700 的地板额度<br /><mark class="highlight">AMEX</mark> 2 卡，首卡是 Green，已经持卡10个月<br />更新：25 号收到，发的 Fedex priority<br /> <br />七月的时候申请过，那时候信用分太低,卡4506C<br />这次申请分数之前查的应该是705左右<br /> <br /><a href="/search/result?q=%23AMEX" title="#AMEX">#AMEX</a> <a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1" title="#美卡">#美卡</a> <a href="/search/result?q=%23Applepay" title="#Applepay">#Applepay</a><br /><br />source: <a href="http://xhslink.com/o/3Q0XPRT53ak" target="_blank" rel="noopener" title="http://xhslink.com/o/3Q0XPRT53ak">http://xhslink.com/o/3Q0XPRT53ak</a><br /><br />by 小红书 WAO!</div>https://tab.letitfly.me/posts/293https://tab.letitfly.me/posts/293Mon, 24 Aug 2026 00:45:59 GMT<div class="image-list-container image-list-even"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-293-0" popovertargetaction="show" aria-label="Open image preview: 7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000"> <img src="/static/https://cdn5.telesco.pe/file/UaHfbmS_npW7OlTbFDl_v-R_StAAt5Tz7iqTMbJ7I5ke1C-h2Q67JKOmcW8GY-Oqvj6TJPkQ25qyC8cVBXZzYu6PCXwvUMkYfiywpz-0Yr-2tUZkZpyYEajUPMSTTfdv6LdaXHPiTwSYV1gKkQ5NfV3OY0N1iYhsmLoNKV8Ijecl5QzEXKx9yADLaAgOUZ3x6mbpJU1VOs--hR0yWekWvDSUlHAaCT5PfeWl1_l1q9zYvdGPs-5imxjGpACUSrdnItMaZVzrHooyrE9ksLT52426uPCk_liFAxaj1betDzjNp6FlHVg0B4twOqzFUCofAmUNgscVc-UzNEOtW_YsYw.jpg" alt="7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000" width="149" height="224" loading="eager" /> </button> <div class="modal" id="modal-293-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-293-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-293-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-293-1" popovertargetaction="show" aria-label="Open image preview: 7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000"> <img src="/static/https://cdn5.telesco.pe/file/BPS9CwT_kKDTbO1U4QuI9LWN9F-VUwS7cJEhvGWxQR9dbxsqDu0al6F3cIkZKNZLJcGdNpok2IHs0MVyMViRV6z1BgKTRC3NYOV5juJZUVF5uiq72l3C3w9C5gImTuCmIhm1BJATPKukNoI-3EDNpIYnP_XHBc0eJajyzJOT6f45cAx8jbhm2a9KgIsQXxtCpYm8-PHDH-55XH_BTFF9rI1OsyggVU1snU4smUGDRtmIg8H_XOAK-1Jwzezp2s4ug9Q-hZLxTvds0WO9xob6i4WfPp0TWgQZB9WY11RYPwgBDFQg2lXaNYSRbUKVFTjS22Hs0a5muoAqILvNpRx7qQ.jpg" alt="7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000" width="149" height="224" loading="eager" /> </button> <div class="modal" id="modal-293-1" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-293-1" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-293-1" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-293-2" popovertargetaction="show" aria-label="Open image preview: 7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000"> <img src="/static/https://cdn5.telesco.pe/file/Yw8W-4TLw0uBIQwms0fQRzWuqH4dIKwxeqqdpBQa8pbsZfpJkAXbIc2WMn7pBPc4UuLNVka_Vwq9ndE2xSDO8f3pbQ4n4DSI8fjyIJXyotXJGbHft3K48CxcnliqGGkd0BEBLw7lzlKHXL68kuK17aYIl_sKQ5yA9Ric78guhQWCFGDWqT-v4PLwDz62z-aQYhTqhQd6ft_U9jr9sN4DOuc4PMDfe5LKJ2ss-tWRfXL4gSox5oEYsdYrwHJBNO-hfc0GFVjRMza6rvbWpc_jnfF81cdhGe68CqDvOh3YVWT_MAdc76T8XuRHMpfK7quUvDKlQis2rnznCWr2cCU5TA.jpg" alt="7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000" width="151" height="224" loading="eager" /> </button> <div class="modal" id="modal-293-2" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-293-2" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-293-2" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-293-3" popovertargetaction="show" aria-label="Open image preview: 7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000"> <img src="/static/https://cdn5.telesco.pe/file/gmyKxn-XDtQHNKAPraMlRQmRJqYkmLCIdctVTHX8Czhsv7sG-2wbsqQj8yICS8RWCWRbBi2EHfs-erLPFTTOAiwc0U6i-DM79ekpEuH2umy0jJqdC0l_b-Wf72gNnhFkXYeKfcw97WAhaNFMRVJt3eD9C8NjRdhiX18iCa70UkXt5ht65YKEgRjBcB83Ljk9TRPlodbFajF9UzJcz2PJ6gWwM3cbT8bpOCfJSC6xYVpDAUP6OqBsYkJl9EaYrf0Z_4B5eFcBmv7lCdI04yjXLL9oIpHkCjNIk1d9y3vlls4QuqechXATcF-VxhTS-QTbqam-TM9ZdvSrnlUep7knRQ.jpg" alt="7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000" width="149" height="224" loading="eager" /> </button> <div class="modal" id="modal-293-3" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-293-3" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-293-3" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-293-4" popovertargetaction="show" aria-label="Open image preview: 7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000"> <img src="/static/https://cdn5.telesco.pe/file/lmf1N9tyj24TgTDoVuBf3CLVeT6gmSB___VgsthmwRoMhEQTMfIuo17EQJllsehNXD50wJax0W21Z8FjgW3ubOxKDLvcieHll-KINxwLowUHaxn1Kbo9NNDsQHU-mKgsFaKbvhdMf7CiL_zgVZCUslcDvH77uuQo41DSSNbJpRSspVtwaHtNh03roM-NXiz9H1gRej2FHwAiOymECp2EfJ6a9ZsCcKx7vcpty1nBIceBFNM_1R8OjLKu_0ibGpwu7fzeFWTOZJh9PBmAl5roONZ90on_4w48kFDsOLY-Hkp6gal36y2K050ExAHQDSruetAuGoB6n8BjWLjL8gzadw.jpg" alt="7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000" width="149" height="224" loading="eager" /> </button> <div class="modal" id="modal-293-4" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-293-4" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-293-4" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-293-5" popovertargetaction="show" aria-label="Open image preview: 7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000"> <img src="/static/https://cdn5.telesco.pe/file/i7dJcuAkgRqvxSRZS64yujwhtvEnqaVHwUPlTNIA75FiGpsF9LHlxVuJERRfBX0bWUOno5UQZhrJq8Rd9DM737zuY75ZtAmZCJUGRi6ytglDy8kpNumNx7f5pFGvgh24OSAGrBAU5TTRL5C2wexyuhvOOTrXQUvse5jfeBzrTS-x98HYBpbmSbX-lccHN1TzwhGYtMjJKjQDfu2QPEe6HGfrsEQfNNzP1j1oV4eCV_NI3yLssawtBAkL_D8tX4qoylH_aYDtTmMEC33GjYBv8p9axchJVnjl-OJKHsMkRDFD6Ty_y_n0VxuJ-XEzhisyY6tfTmolQ-UwnYE9nlQafA.jpg" alt="7个月ITIN EQ 725 继续下卡 Amex Chase CSP去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000" width="151" height="224" loading="eager" /> </button> <div class="modal" id="modal-293-5" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-293-5" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-293-5" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><div class="tgme_widget_message_text js-message_text"><b>7个月ITIN EQ 725 继续下卡 </b><mark class="highlight"><b>Amex</b></mark><b> Chase CSP</b><br /><br />去年12月20号拿下第一张 Capital One Platinum，三个月升级为C1 Quicksilver, 申请Amex Bevy后，六月份继续申请Amex Green，七月份赶着Chase CSP 石膏申请，八月份来纽约实地考察，申请Chase checking, BOA checking,Wells Fargo checking,Citi Checking 顺便Recon Chase CSP，成功下卡，额度5000。到目前为止一共有 C1 Quciksilver，<mark class="highlight">Amex</mark> Bevy，<mark class="highlight">Amex</mark> Green，Chase CSP，HSBC Elite(未绑定ITIN).<a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#信用卡">#信用卡</a> <br /><br /><a href="/search/result?q=%23capitalone" title="#capitalone">#capitalone</a> <a href="/search/result?q=%23amex" title="#amex">#amex</a> <a href="/search/result?q=%23chase" title="#chase">#chase</a> <a href="/search/result?q=%23citi" title="#citi">#citi</a> <a href="/search/result?q=%23Bankofamerica" title="#Bankofamerica">#Bankofamerica</a> <a href="/search/result?q=%23wellsfargo" title="#wellsfargo">#wellsfargo</a><br /><br />source: <a href="http://xhslink.com/o/5jeFv4ELkSs" target="_blank" rel="noopener" title="http://xhslink.com/o/5jeFv4ELkSs">http://xhslink.com/o/5jeFv4ELkSs</a><br /><br />by 小红书 艾伦</div>https://tab.letitfly.me/posts/284https://tab.letitfly.me/posts/284Sun, 23 Aug 2026 05:08:20 GMT<div class="image-list-container image-list-even"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-284-0" popovertargetaction="show" aria-label="Open image preview: 美卡三年 毕业总结云居民玩美卡3年了，收获满满"> <img src="/static/https://cdn5.telesco.pe/file/G8FCLb_5uo9lXEQ414C494_XCedYM03vj0jFqzpKd3ik1uRE707jwX5Va-Oooqyy9y4Lh8445srwni3-W2sxgmjuM_SBnt1TrVjw3RtiEbyBV0r7M9bzL2n5w7B2odPjXkusuVCnrvZwjpoW1kSZqdqobIjN-vmtBZRnkKmqNHDFrdrumdnga4hSc4YIOTOyV9vNvHpK9Uh8Kx025Ibgz9tJPqSujxzy_ID9ft6Jym2JMSQZQxrXY5MZUdKUQjWLVp3tU4L157ABUN7JXF0vd09u0pjNYqct70rWRudRw19mFuQyWLj7jmZO1bslpL6_duUlD60H_7BJkzagPc4j0g.jpg" alt="美卡三年 毕业总结云居民玩美卡3年了，收获满满" width="260" height="604" loading="eager" /> </button> <div class="modal" id="modal-284-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-284-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-284-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-284-1" popovertargetaction="show" aria-label="Open image preview: 美卡三年 毕业总结云居民玩美卡3年了，收获满满"> <img src="/static/https://cdn5.telesco.pe/file/lImELRhB3XFNGh9skvzCNW8oT4nMCysV-UgJFnoCG1gHa26dpQ_dhktYcJrDXerXK3zo7iYVgWMUFWfOnLSbwAyuJ0QNDKI8agmvQ_Okg0ccaqF4dC3Q7UEC4RbUvFto5rnJF7Wp9QHofAdlX5PWeU7CMcdkRDrqr-8A-S1aneniG3zuJBQ_65G0kdthKrH4bD_vFuSlOEPaeY5ivdSyqQfxTEq7ZJnk9DyqNXU-_SxUnA4fCqwMjBPZFGn_g-JjD40q855D5tJgAJv_K7DwguegGj3HZQTG7R4i3Q4j6n1yBHr5XiKBlQFIWUMY2AtxTaNcPRIORsU-jZxKL3-PWw.jpg" alt="美卡三年 毕业总结云居民玩美卡3年了，收获满满" width="191" height="604" loading="eager" /> </button> <div class="modal" id="modal-284-1" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-284-1" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-284-1" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><div class="tgme_widget_message_text js-message_text"><b>美卡三年 毕业总结</b><br /><br />云居民玩美卡3年了，收获满满。<br />两年前 <mark class="highlight">Amex</mark> FR被 Kill全家（开卡礼刷太快），没想到过2个月再申又批了，完美复活！<br /><br />不过自从被kill后批卡明显艰难了（经常4506c），复活一年多才批了4张，而且只能玩NLL了。<br /><br />Chase除了首张商业卡Recon了四五次，其他基本一路“秒批”，陆续办了7张又关了2张，酒店卡已集齐。<br /><br />今年没卡可申就无聊试下C1VX也批了，等持卡1年就降级或关了。<br />常见港卡也基本毕业，信银，汇丰，东亚，工亚，建亚，永隆都已get，但AmexHK去年被关。<br /><br /><a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#美国信用卡">#美国信用卡</a> <a href="/search/result?q=%23%E9%A6%99%E6%B8%AF%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#香港信用卡">#香港信用卡</a> <a href="/search/result?q=%23%E4%BA%91%E5%B1%85%E6%B0%91%E7%8E%A9%E7%BE%8E%E5%8D%A1" title="#云居民玩美卡">#云居民玩美卡</a> <a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1%E9%87%8C%E7%A8%8B%E7%A7%AF%E5%88%86" title="#美卡里程积分">#美卡里程积分</a>＃美国运通卡 <a href="/search/result?q=%23Amex%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#Amex信用卡">#Amex信用卡</a> <a href="/search/result?q=%23Chase%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#Chase信用卡">#Chase信用卡</a><br /><a href="/search/result?q=%23CapitalOne" title="#CapitalOne">#CapitalOne</a><br /><br />source: <a href="http://xhslink.com/o/75EFYWsjmGV" target="_blank" rel="noopener" title="http://xhslink.com/o/75EFYWsjmGV">http://xhslink.com/o/75EFYWsjmGV</a><br /><br />by 小红书 lyin</div>https://tab.letitfly.me/posts/215https://tab.letitfly.me/posts/215Fri, 07 Aug 2026 04:58:06 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-215-0" popovertargetaction="show" aria-label="Open image preview: 美留半年美卡记录从2月底拿SSN开始，到现在差不多5个月，FICO 700+，已经来到 4/24，bonus近3000 简单记录一下，给来美留学生一个参考👇📍2026.02🎉 月底拿到了SSN💳 Chase CFU 200 Bonus人生第一张信用卡，当时还不懂美卡怎么玩，900cl💳 BOA Checking 500 Bonus之前一直用爸妈副卡，这是第一张美卡debit📍2026.03💳 Discover 100 Bonus季度5%+第一年double，1500cl💳 Charles Schwab Checking💳 PayPal Debit Mastercard📍2026.05💳 Wells Fargo Checking 425 Bonus💳 US Bank Checking 450 Bonus发现Checking Bonus好多 也想建立一下relationship📍2026.06💳 US Bank Cash+ 250 Bonus每季度选两个5%，500cl💳 E*TRADE Saving 150 Bonus💳 Citi Checking 325 Bonus💳 Amex Hilton白 100 Bonus+ 100,000 Hilton Points 2000cl📍2026.07💳 Amex Rewards Checking 300 Bonus📍2026.08FICO出分 Experian 708(Chase)；Equifax 733(MyFICO)；TransUnion 736(AppleCard) 小白感觉美卡真的属于一个“越研究坑越深”的游戏😂最近申csp被拒，recon反馈账户太多，估计得歇个半年已经回国，请教各位大佬后续怎么玩，欢迎评论区给建议🙏 #美卡 #美卡攻略 #留学生活 #chase #Amex #留学生#美国source: "> <img src="/static/https://cdn5.telesco.pe/file/liGC-qPureABma9EEMVhZOgvuy7uefsbnn_4J0SXLWalCa-Qm7Xrdqv52OVF6Q6g5aR3vNNIbKoPbYyrimt9f8gwE496TMNxiH6k4aGd53vocjxo4GIh8bDHh96_JNoERP5kFEYIyCTSHjJYu7kViHr1t4B06m1cD_n20rjrGeuH8OQA6MRydJ1TpiQH53D9hx7qqK4MF04ebwvubY5wmmvIzZxaQCn8yRXIii3Kifl_i8eVPjoEM0oQo1hHx4BPeKM1TtrPO-9oo9O-z3wLQm30rK3NfZr1nbCaw0gr6iggozcw6iuAXNHS1NyRbkC-OM68ZkikwiHPWRuKO7T93w.jpg" alt="美留半年美卡记录从2月底拿SSN开始，到现在差不多5个月，FICO 700+，已经来到 4/24，bonus近3000 简单记录一下，给来美留学生一个参考👇📍2026.02🎉 月底拿到了SSN💳 Chase CFU 200 Bonus人生第一张信用卡，当时还不懂美卡怎么玩，900cl💳 BOA Checking 500 Bonus之前一直用爸妈副卡，这是第一张美卡debit📍2026.03💳 Discover 100 Bonus季度5%+第一年double，1500cl💳 Charles Schwab Checking💳 PayPal Debit Mastercard📍2026.05💳 Wells Fargo Checking 425 Bonus💳 US Bank Checking 450 Bonus发现Checking Bonus好多 也想建立一下relationship📍2026.06💳 US Bank Cash+ 250 Bonus每季度选两个5%，500cl💳 E*TRADE Saving 150 Bonus💳 Citi Checking 325 Bonus💳 Amex Hilton白 100 Bonus+ 100,000 Hilton Points 2000cl📍2026.07💳 Amex Rewards Checking 300 Bonus📍2026.08FICO出分 Experian 708(Chase)；Equifax 733(MyFICO)；TransUnion 736(AppleCard) 小白感觉美卡真的属于一个“越研究坑越深”的游戏😂最近申csp被拒，recon反馈账户太多，估计得歇个半年已经回国，请教各位大佬后续怎么玩，欢迎评论区给建议🙏 #美卡 #美卡攻略 #留学生活 #chase #Amex #留学生#美国source: " width="765" height="800" loading="eager" /> </button> <div class="modal" id="modal-215-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-215-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-215-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><b>美留半年美卡记录</b><br /><br />从2月底拿SSN开始，到现在差不多5个月，FICO 700+，已经来到 4/24，bonus近3000 简单记录一下，给来美留学生一个参考<i class="emoji"><b>👇</b></i><br /><i class="emoji"><b>📍</b></i>2026.02<br /><i class="emoji"><b>🎉</b></i> 月底拿到了SSN<br /><i class="emoji"><b>💳</b></i> Chase CFU 200 Bonus<br />人生第一张信用卡，当时还不懂美卡怎么玩，900cl<br /><i class="emoji"><b>💳</b></i> BOA Checking 500 Bonus<br />之前一直用爸妈副卡，这是第一张美卡debit<br /><i class="emoji"><b>📍</b></i>2026.03<br /><i class="emoji"><b>💳</b></i> Discover 100 Bonus<br />季度5%+第一年double，1500cl<br /><i class="emoji"><b>💳</b></i> Charles Schwab Checking<br /><i class="emoji"><b>💳</b></i> PayPal Debit Mastercard<br /><i class="emoji"><b>📍</b></i>2026.05<br /><i class="emoji"><b>💳</b></i> Wells Fargo Checking 425 Bonus<br /><i class="emoji"><b>💳</b></i> US Bank Checking 450 Bonus<br />发现Checking Bonus好多 也想建立一下relationship<br /><i class="emoji"><b>📍</b></i>2026.06<br /><i class="emoji"><b>💳</b></i> US Bank Cash+ 250 Bonus<br />每季度选两个5%，500cl<br /><i class="emoji"><b>💳</b></i> E*TRADE Saving 150 Bonus<br /><i class="emoji"><b>💳</b></i> Citi Checking 325 Bonus<br /><i class="emoji"><b>💳</b></i> <mark class="highlight">Amex</mark> Hilton白 100 Bonus+ 100,000 Hilton Points 2000cl<br /><i class="emoji"><b>📍</b></i>2026.07<br /><i class="emoji"><b>💳</b></i> <mark class="highlight">Amex</mark> Rewards Checking 300 Bonus<br /><i class="emoji"><b>📍</b></i>2026.08<br />FICO出分 Experian 708(Chase)；Equifax 733(MyFICO)；TransUnion 736(AppleCard)<br /> <br />小白感觉美卡真的属于一个“越研究坑越深”的游戏<i class="emoji"><b>😂</b></i><br />最近申csp被拒，recon反馈账户太多，估计得歇个半年<br />已经回国，请教各位大佬后续怎么玩，欢迎评论区给建议<i class="emoji"><b>🙏</b></i><br /> <br /><a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1" title="#美卡">#美卡</a> <a href="/search/result?q=%23%E7%BE%8E%E5%8D%A1%E6%94%BB%E7%95%A5" title="#美卡攻略">#美卡攻略</a> <a href="/search/result?q=%23%E7%95%99%E5%AD%A6%E7%94%9F%E6%B4%BB" title="#留学生活">#留学生活</a> <a href="/search/result?q=%23chase" title="#chase">#chase</a> <a href="/search/result?q=%23Amex" title="#Amex">#Amex</a> #留学生#美国<br /><br />source: <a href="http://xhslink.com/o/5JtcGnPI1zC" target="_blank" rel="noopener" title="http://xhslink.com/o/5JtcGnPI1zC">http://xhslink.com/o/5JtcGnPI1zC</a><br /><br />by 小红书 Julyhttps://tab.letitfly.me/posts/166https://tab.letitfly.me/posts/166Fri, 10 Jul 2026 15:36:49 GMT<div class="image-list-container image-list-even"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-166-0" popovertargetaction="show" aria-label="Open image preview: 国内刷外卡实测～山姆AMEX (Apple Pay)✅American Express使用Apple Pay支付成功山姆浦东东店 要用可以刷外卡的pos机，直接使用Apple Pay碰一下手机，丝滑支付成功～#信用卡 #amex #aspire #山姆 #外卡 #云居民 #applepay 苹果 #特斯拉 #麦当劳source: "> <img src="/static/https://cdn5.telesco.pe/file/G2SkZybYc09MJrQLuIq_RABde_P8eLAFFEt_KfEAUpd-7VEpZokHMUOim0Na-tXC1Fd0Ng6IrnbB9AUxIaCw45SHofDCR-GHd4oi7FrRvcES_bfqBB7aJb0ucJPNheTuhGBVhKkTeczFl53LQtW-CB_nzq9y4QlFtFeUYBXIFMbjBQG2L3FY-gqmtASmVN3NCVRMMv9DZfdSTnfWaGE2K0ECB7eIEaTCVKRfxqFX4WfA9MY7fPk074Qg4vmVtk4gPnFbPgwblCyHt-xttYh1Mtg3PbmY8z47ujTlC7sJI9jN3E7GQjPDUo7wH9oE0KQWEDBGA0nYQD3s66Ysihpv5w.jpg" alt="国内刷外卡实测～山姆AMEX (Apple Pay)✅American Express使用Apple Pay支付成功山姆浦东东店 要用可以刷外卡的pos机，直接使用Apple Pay碰一下手机，丝滑支付成功～#信用卡 #amex #aspire #山姆 #外卡 #云居民 #applepay 苹果 #特斯拉 #麦当劳source: " width="244" height="273" loading="eager" /> </button> <div class="modal" id="modal-166-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-166-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-166-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-166-1" popovertargetaction="show" aria-label="Open image preview: 国内刷外卡实测～山姆AMEX (Apple Pay)✅American Express使用Apple Pay支付成功山姆浦东东店 要用可以刷外卡的pos机，直接使用Apple Pay碰一下手机，丝滑支付成功～#信用卡 #amex #aspire #山姆 #外卡 #云居民 #applepay 苹果 #特斯拉 #麦当劳source: "> <img src="/static/https://cdn5.telesco.pe/file/U1MrgIDhQVtYfoZJjQblDzct7TZnO5sfG8mUpIhU4-SOTG3aGHtiRwmb0B1Rod4e4YcSEEQDQXfSrf2hYVmPdtkHOZ-V10ZQsHruksPT-tX5MuLFHMF4yU1wQwgfcqAPcobJjXypGq999Zu6t9_NxFm9R9MHj4i_1T65anA2Wm-I0NOHl9-UQC6TB-_hBMSBcgIt7Iwle9t3lpGhGmjA8Gy3bKpvakenNjvPqcErXFqNa2DXvy2S8fINcFPb3OU2X1iV8UNHqowHduHUCkNMlA6oN8Kj32giy_ZuSZq6ghz5XbwxgrcCH90S6WXAFgWWlXimvk_nn-ktmcuqKOEryg.jpg" alt="国内刷外卡实测～山姆AMEX (Apple Pay)✅American Express使用Apple Pay支付成功山姆浦东东店 要用可以刷外卡的pos机，直接使用Apple Pay碰一下手机，丝滑支付成功～#信用卡 #amex #aspire #山姆 #外卡 #云居民 #applepay 苹果 #特斯拉 #麦当劳source: " width="207" height="273" loading="eager" /> </button> <div class="modal" id="modal-166-1" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-166-1" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-166-1" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><div class="tgme_widget_message_text js-message_text"><b>国内刷外卡实测～山姆AMEX (Apple Pay)<i class="emoji"><b>✅</b></i></b><br /><br />American Express使用Apple Pay支付成功<br />山姆浦东东店<br /> <br />要用可以刷外卡的pos机，直接使用Apple Pay碰一下手机，丝滑支付成功～<br /><a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#信用卡">#信用卡</a> <a href="/search/result?q=%23amex" title="#amex">#amex</a> <a href="/search/result?q=%23aspire" title="#aspire">#aspire</a> <a href="/search/result?q=%23%E5%B1%B1%E5%A7%86" title="#山姆">#山姆</a> <a href="/search/result?q=%23%E5%A4%96%E5%8D%A1" title="#外卡">#外卡</a> <a href="/search/result?q=%23%E4%BA%91%E5%B1%85%E6%B0%91" title="#云居民">#云居民</a> <a href="/search/result?q=%23applepay" title="#applepay">#applepay</a> 苹果 <a href="/search/result?q=%23%E7%89%B9%E6%96%AF%E6%8B%89" title="#特斯拉">#特斯拉</a> <a href="/search/result?q=%23%E9%BA%A6%E5%BD%93%E5%8A%B3" title="#麦当劳">#麦当劳</a><br /><br />source: <a href="http://xhslink.com/o/7vLRHivcdgP" target="_blank" rel="noopener" title="http://xhslink.com/o/7vLRHivcdgP">http://xhslink.com/o/7vLRHivcdgP</a><br /><br />by 小红书 Des.byAppleinCA</div>https://tab.letitfly.me/posts/146https://tab.letitfly.me/posts/146Sat, 04 Jul 2026 20:19:20 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-146-0" popovertargetaction="show" aria-label="Open image preview: DP-Amex NLL希尔顿卡pending要求提供地址如题，本人在网上搜到了amex nll链接，于是开通了免费年卡hilton honors，这是我第六张amex（2023金卡-2024白金-2025 Hilto白卡-2025Hilton surpass-2026Hilton NLL surpass）"> <img src="/static/https://cdn5.telesco.pe/file/SkNT0WPHRki5dNux6KJDXx-QxkVC_BFjjS0fv9tQWyH9gXfXrNjlsxv1M7lL8q5g05Xo2r-LJzJg-g4eP9rqYvQ74xwU06UEDx32jgvFdwa1jG28g6T1QhXq30tS0jUxBTMOLSpGBT0YzLiSV3inAESgtQHRwqQUxzjs8Q9IfugdsHKw-iHnDf1YWrzX6fLhThy0qhqpjAV5GNwspCDqPADSx94pV-ln_D8MxErrTU9ZLB3G31pJ9psRrYHfrH-DjQvk0n0miM_rw3g_jPQnOYpHFqKQruQGCRi7Ho_XazlGSFZ5cZX5jovhdiPcBpd-qvt6dJs5CLO54ygKr-oqDg.jpg" alt="DP-Amex NLL希尔顿卡pending要求提供地址如题，本人在网上搜到了amex nll链接，于是开通了免费年卡hilton honors，这是我第六张amex（2023金卡-2024白金-2025 Hilto白卡-2025Hilton surpass-2026Hilton NLL surpass）" width="800" height="502" loading="eager" /> </button> <div class="modal" id="modal-146-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-146-0" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-146-0" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><b>DP-</b><mark class="highlight"><b>Amex</b></mark><b> NLL希尔顿卡pending要求提供地址</b><br /><br />如题，本人在网上搜到了amex nll链接，于是开通了免费年卡hilton honors，这是我第六张amex（2023金卡-2024白金-2025 Hilto白卡-2025Hilton surpass-2026Hilton NLL surpass）。<br /><br />流程：<br />1. 在提交申请后，出现pending页面，收到email告诉要review14天；<br /><br />2. 我主动查看了申请记录，发现要provide home address，并打了提供的0237结尾的电话；<br /><br />3. 人工很快，在人机筛选我要查看application status后10秒不到就接通（点名批评chase和citi的效率低）<br /><br />4. 人工告诉我会发email提交home address；<br /><br />5. 1分钟后收到邮件，点进去，是同样的查看了申请记录的网站，点view decision，按要求提供地址，可接受的地址包括：<br />Current Cable/ Internet Bill<br />Current Cell Phone Statement<br />Current Credit Card Statement<br />Current Financial Institution Statement<br />Current Home Owner's Insurance/ Mortgage Statement Current Utility Bill<br /><br /><i class="emoji"><b>❕</b></i>注意任何银行卡/账户地址不能提供amex自己的（如果你有amex的使用历史），且需要是最近30天产生的账单，账单能看出你和提供账单的机构有超过25天的历史。<br />我提供的是bank of America debit card地址，同理，如果你有最近的其他银行、brokerage account地址都可以，尤其是我们这种云玩家，utilities bill肯定没有，电话号码目前是tello。<br /> <br />补充：本人差不多3年9个月信用历史，地址一直用的以前租房的，非常担心要求提供utilities/租房合同之类的，还好amex管的松。<br /> <br /><a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#美国信用卡">#美国信用卡</a> <a href="/search/result?q=%23amex" title="#amex">#amex</a> <a href="/search/result?q=%23hilton" title="#hilton">#hilton</a> <a href="/search/result?q=%23amex%E9%87%91%E5%8D%A1" title="#amex金卡">#amex金卡</a> <a href="/search/result?q=%23amex%E5%B8%8C%E5%B0%94%E9%A1%BF" title="#amex希尔顿">#amex希尔顿</a> <a href="/search/result?q=%23%E5%B8%8C%E5%B0%94%E9%A1%BF%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#希尔顿信用卡">#希尔顿信用卡</a> <a href="/search/result?q=%23itin" title="#itin">#itin</a> <a href="/search/result?q=%23ssn" title="#ssn">#ssn</a><br /><br />source: <a href="http://xhslink.com/o/58m5SnTK380" target="_blank" rel="noopener" title="http://xhslink.com/o/58m5SnTK380">http://xhslink.com/o/58m5SnTK380</a><br /><br />by 小红书 Lnhttps://tab.letitfly.me/posts/42https://tab.letitfly.me/posts/42Sat, 27 Jun 2026 01:44:22 GMT<div class="image-list-container image-list-odd"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-42-0" popovertargetaction="show" aria-label="Open image preview: 三战 Amex，终于批了希尔顿白卡🏨首张 Amex｜Hilton 白卡｜0年费 终于拿下第一张 Amex 了"> <img src="/static/https://cdn5.telesco.pe/file/qx9xa7WAWZ1tXZLQ9Z3iyEPZdsTg1PFR28Ify0c_XvQLBP6_8v99QukvNseKxXjL7jTNpHw1fAXxpG_SYUgkWaZe-T5V2sXYi8UTWJaISwgtkzc92MvvXc7VJyrqHSBt6Tb0S8GR4zde-fwwV-2er5fBAFnK1dGz2eFyJJ_bHtXvJ_6iJ3xN0cdk91rUZ72gjDoVv-SbkymSerIM7j4rrRn5Fb1FXEb4lcN6G5TSCmGKIQLqeRbYzBe2SD-orKOh9-2w_UtRQ3eJyzLxfGvS0J3MyGB8R31HMmFxppWHZbzA4MFklFd15clc98D1_4OppRPWSuxIoNE6ph5HOg9j4w.jpg" alt="三战 Amex，终于批了希尔顿白卡🏨首张 Amex｜Hilton 白卡｜0年费 终于拿下第一张 Amex 了" width="224" height="238" loading="eager" /> </button> <div class="modal" id="modal-42-0" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" 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popovertarget="modal-42-3" popovertargetaction="show" aria-label="Open image preview: 三战 Amex，终于批了希尔顿白卡🏨首张 Amex｜Hilton 白卡｜0年费 终于拿下第一张 Amex 了"> <img src="/static/https://cdn5.telesco.pe/file/dcbgW92tZHj7wS8J2NxP-TRrMc67mPTn74db4twTvWYGHpAs2DpMMgb66Ml1MGVCu63BUsa6fsXogrU1leG4Zl_xz9kIE4XUCGpbDyJRXh93vXH4E_GZ2EHVdBOWHGTx1v5aVxSevFXXsGnYCQWd8EG9i0kJ6Tz7FF0Deb6io05icqgBmMrr_Mp8S48dqdi0AbXCTrf3Z14tY1A5SNRAsB16P1PEkzHg3K90b-6ozmNznbyZ3HKf5XUL9o_n8SWYJSllMupw5gkG_N72bVC2uoYn7KtmHfneDv4fxvKIOoLcWjr37DM-dgFJmXOFPxyK5WeJldkawTbxjv-ztXUSsg.jpg" alt="三战 Amex，终于批了希尔顿白卡🏨首张 Amex｜Hilton 白卡｜0年费 终于拿下第一张 Amex 了" width="150" height="150" loading="eager" /> </button> <div class="modal" id="modal-42-3" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-42-3" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-42-3" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-42-4" popovertargetaction="show" aria-label="Open image preview: 三战 Amex，终于批了希尔顿白卡🏨首张 Amex｜Hilton 白卡｜0年费 终于拿下第一张 Amex 了"> <img src="/static/https://cdn5.telesco.pe/file/qOl7Kky0l8gLh6tgEXjxZRHgt3TBJ3qkeocQD5VMSSp1Fdq0TCcUXIP6bU5UhvKz7B2WtObtP_6CwCC9dYXPr5Yzlm4OnzB8y22FneAp6GF256D6428aBcFTGvpe1okxCHuyj_xz4emVQ_B2cCQxfGBV0SmX8wOkGvsH49xDIUdAvIfxbJ6nQgrTNS9t1urbdcwx0GVwj8JoXjzktlnH_43rWdnWjCLYlhsBf5l_bykR7WnurlLyTasNlHpv6GYhsVMNJAUM92_qW8u-2GefLLeco6UPos1SXilkGtXVQm-axWK9QBWSKqgRU1QnzD_DJ6PMY8GxsWpLKWs1Em4IPw.jpg" alt="三战 Amex，终于批了希尔顿白卡🏨首张 Amex｜Hilton 白卡｜0年费 终于拿下第一张 Amex 了" width="149" height="150" loading="eager" /> </button> <div class="modal" id="modal-42-4" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-42-4" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-42-4" popovertargetaction="hide" aria-label="Close image preview">×</button> <div class="modal__surface"> </div> </div> </div><div class="tgme_widget_message_text js-message_text"><b>三战 </b><mark class="highlight"><b>Amex</b></mark><b>，终于批了希尔顿白卡<i class="emoji"><b>🏨</b></i></b><br /><br />首张 <mark class="highlight">Amex</mark>｜Hilton 白卡｜0年费<br /> <br />终于拿下第一张 <mark class="highlight">Amex</mark> 了。 这次批的是 Hilton Honors 白卡，0年费，算是比较适合入门的一张酒店联名卡。<br />我的批卡过程：<br />2025年9月：批了 C1 QuicksilverOne 2025年12月：额度提到 1000刀 2026年4月：升级到 C1 Savor<br />期间在 2月、4月各申请过一次 <mark class="highlight">Amex</mark>，都被拒了。<br />5月再次申请 Hilton 白卡，这次进入人工审核。 电话人工复审后，终于批卡成功。<br />这张卡权益简单说：<br />年费：0美元<br />Hilton 消费：7x<br />餐厅 / 超市 / 加油站：5x<br />其他消费：3x<br />迎新：6个月消费满2000刀，拿10万 Hilton 分 + 100刀账单抵扣<br />积分房连续住5晚，第5晚免费<br />邀请奖励：2万分/人（新朋友可找我对半分哦）<br /> <br />这里还有一个小坑： <mark class="highlight">Amex</mark> 首次绑定 Apple Pay，建议从 <mark class="highlight">Amex</mark> App 里操作。<br />我一开始是手动输入卡号添加，结果触发了风控。 好在半夜2点多还没睡，接到了 <mark class="highlight">Amex</mark> 人工风控电话，核对身份信息后才解除，最后顺利添加成功。<br />所以新卡到手后，不只是开卡消费，Apple Pay 绑定方式也要注意一下。<br />对我来说，这张卡最大的意义不是权益多强，而是终于开始和 <mark class="highlight">Amex</mark> 建立关系了。 从 C1 小额起步，到被拒两次，再到人工复审通过，也算是美国信用卡路上的一个小阶段毕业。<br />非办卡建议，只是个人真实 DP。 新手还是要根据自己的信用记录、消费需求和还款能力来判断。<br /> <br /><a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#美国信用卡">#美国信用卡</a> <a href="/search/result?q=%23Amex" title="#Amex">#Amex</a> <a href="/search/result?q=%23%E5%B8%8C%E5%B0%94%E9%A1%BF%E7%99%BD%E5%8D%A1" title="#希尔顿白卡">#希尔顿白卡</a> <a href="/search/result?q=%23HiltonHonors" title="#HiltonHonors">#HiltonHonors</a> <a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1DP" title="#信用卡DP">#信用卡DP</a> <a href="/search/result?q=%23CapitalOne" title="#CapitalOne">#CapitalOne</a> <a href="/search/result?q=%23ApplePay" title="#ApplePay">#ApplePay</a> <a href="/search/result?q=%23%E9%85%92%E5%BA%97%E7%A7%AF%E5%88%86" title="#酒店积分">#酒店积分</a> <a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1%E4%BD%BF%E7%94%A8" title="#信用卡使用">#信用卡使用</a> <a href="/search/result?q=%23%E4%BF%A1%E7%94%A8%E5%8D%A1" title="#信用卡">#信用卡</a><br /><br />Source: <a href="http://xhslink.com/o/46rM1xOSd1n" target="_blank" rel="noopener" title="http://xhslink.com/o/46rM1xOSd1n">http://xhslink.com/o/46rM1xOSd1n</a><br /><br />by 小红书 金仔说卡</div>