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/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/oqEd6I3PS0FPuH4xSXBPrd3ts1JC1HXt76dMX10NeGlR6zklE2hOa0UqX-EsZ8xEGCNNhE4wYRibQfrSTGaQUYPE68D-bRzgX3zYe9RgMmzmuPUQlRFTr1vcjpAXYdhFc0rOiK3JEjTW3VioMaYvNsZYf0LZ8l4SogNCoS71P2y_vXN1xw05W8ZHiG07FnwQSkq1_IDtGu0GnmcyctD9ZcVELoSOL30Dokp5NIxRSzEO-h2SQMwxexmA8O907JrLQC-ygM-L_Fc1MiyAYvTTeE28L2rksx9w8uq6ZKLsy9JTzjqzCtSFHFuXW2_4OdGRO1RrWnTz2hDHriHd8XS7nA.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/B6IWMUeF_Z2rMLQFQPEGnblAiYX0CKX1chih_cbZT2Q-gi8GbZoMZ0olG6lDwU9cmNrI5eFlp4oASIF700Ec2ZjVfEWKM5MGhwbQ7Zgewhp3KJX65qWwW7SVo98DoBJqG-CoTgt-MbswmFV3hFTw-lMFdHEoqolZy65HV6dco8MxEXPBXTuZgq9DBDBUZ-IyBCsZKtNQbjFfTHrWw_KAjOHnVFCDZ0xy4QK1LgTL0P9Mdrs5QNfH4PiUxwpowWhLguFlHCWh2mbYGfjBwqyjcB_fsiX0qYVUhK2es0eyC9jwfSB2DSJ01O-ADWfnDNj46ZLiErHp2JdebkfzfTH8xQ.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 Amex 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/271https://tab.letitfly.me/posts/271Sat, 22 Aug 2026 07:20:23 GMT<div class="image-list-container image-list-even"> <button type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-271-0" popovertargetaction="show" aria-label="Open image preview: C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF"> <img 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type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-271-1" popovertargetaction="show" aria-label="Open image preview: C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF"> <img src="/static/https://cdn5.telesco.pe/file/q_ZTO26LUDkt5KECM3MWXvFrB2wXPng634exb0OoOV1DQGxJ1SFhNpdlun2pIAPaCFuGySXPeh4NoLfhTVs-2OCEuxbFzp9KuFLz_TURNylo7J42BhjVFhoOr7a44aSepsU8oaqEkgpDzh-gfWfDZjI_erwPStBhQUchsLn6mLsJZKvd3w9zzapyVKYY8NN6K6yBuhFtRJqKxhzTKtOv0zlMZsdYczyCjrdWb97GcuABY_clQFDF1QLPTnsV8zx-UspKGacFjH9K1ubBGRDewxQweEUaYYrQ4aMzy1xhKYoY9lBrCFT82MZSAKB5Kfrxh_Gk-qVPBAATMr-2vq2Kyw.jpg" alt="C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF" width="127" height="191" loading="eager" /> </button> <div class="modal" id="modal-271-1" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" 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type="button" class="image-preview-button image-preview-wrap" popovertarget="modal-271-4" popovertargetaction="show" aria-label="Open image preview: C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF"> <img src="/static/https://cdn5.telesco.pe/file/Bqczkz_D1gXrIOOsMjwH3jdULW4L-hguGZnU8mIe83LzM3qiehTjwfSvSHT0wrz2ZjRSd8hPYkp4JM_AmD6DOp06x59KnlLSBoyWK4uL3Hfoe9K_LNUrGZjDN5W19wvTZfaYDW6Gzgxb9H8sWMKDeyuTaTciCP0wwOsOpGZISf5FZz7OfZopwHIRZ9ahke5Tvh6t1SBMpx9oFitwDS_k1OiPNbs7gbvpIGJeKZimCwAQ_ofL17etnzCQwQQYgGafFN71JAHYeX64_yL8iIYMIWvWZ71UOM5yFCibxg76ULUIx5A8p48hK2ZgRxyjPiBoaEoiytWel5KSPikg7WhAmQ.jpg" alt="C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF" width="150" height="225" loading="eager" /> </button> <div class="modal" id="modal-271-4" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-271-4" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-271-4" 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-271-5" popovertargetaction="show" aria-label="Open image preview: C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF"> <img src="/static/https://cdn5.telesco.pe/file/IY9EAIXbaVTD76LX_3A3eTbtNPVxT-qUeaH42yW-UB48ssyoryIlPEGJXOEskk3b-M81_4hlb3xBGBqJipDZ4BZ7I50sgG_NQg8iNiEP3YWBhrFo3fEn4N85NwI_2ovrWerBUREn-yXWZKtnaMzYziZ7Abm3ae_Cl36Hxik0yoBkQ3UpnZLVWcJhCUHgb5fuKSVfnG209Km7oJ_malwY2lmQntBvSw0wW2tO1W2TER_VvLfnkW-nGGyqeYiMGOWkebCJqaXH3xXE0LEuxq92m8E2QHuWvzQMnY6eAuvy1Z7-aZMEZeiCWO8u7cAZBVyqTREVgpanHrhuhppSZgktkg.jpg" alt="C1信用卡解禁时间线与经验本人情况：J1签证，有SSN，NRA 刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了😭于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF" width="149" height="225" loading="eager" /> </button> <div class="modal" id="modal-271-5" popover="auto" aria-label="Image preview"> <button type="button" class="modal__backdrop" popovertarget="modal-271-5" popovertargetaction="hide" aria-label="Close image preview"></button> <button type="button" class="modal__close" popovertarget="modal-271-5" 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>C1信用卡解禁时间线与经验</b><br /><br />本人情况：J1签证，有SSN，NRA<br /> <br />刚拿到ssn实在没有卡能申，便尝试了discover it，但没想到给我拒了<i class="emoji"><b>😭</b></i>于是转战capital one，没想到用ssn零信用丝滑下offer，选了0返现无年费的，主要看中无FTF。<br /> <br />6.15:实体卡没有寄到账户先给限制了（currently restrict）没在意，以为给客服打电话验证即可（因为肉身在美也有地址觉得没什么）<br />客服发来p2验证身份邮件，但里面的id文档不支持护照。所以即使我上传了护照仍然杳无音讯，几天后接到call back，表示不接受。<br /> <br />后来懒得管了，在此期间开了chase的chacking+freedom信用卡，算是第一张建立信用的吧，但还是惦记着c1的无tft。<br /> <br />7.19:过去了整整一个月仍然restrict，且无任何信息。一怒之下飞到纽约（capital线下branch非常之少，更可笑的在后面…）<br /> <br />7.22:专门腾出半天时间来到了p3（纽约下城soho区）这个capital one bank竟然是个cafe店，而且我去的这家是全美极少数cafe和基础金融业务在一起的branch。<br /> <br />但是我去了就是一个会议室，一个柜员拿个平板就过来了，了解情况后她用我的手机打通了客服热线…。对，你没听错，capital one的员工也要跟我们一样走电话热线，更搞笑的是电话那边的客服还不认她这个员工，要验证她的id。说明情况后转接给了supervisor<i class="emoji"><b>‼️</b></i><i class="emoji"><b>‼️</b></i><br />这一步至关重要，因为只有supervisor有权限给你发p6-p7的邮件，这里面的认证身份支持passport。<br />于是上传了护照+地址证明（bank statement）之后一周解封了终于…<br /> <br />总之，线下branch丝毫无作用，c1本来就是高度的数字银行。解决方法就是打电话给客服转接到supervisor，她有权限。客服都是印度人，你需要极强的英语听力！<br /><a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E9%93%B6%E8%A1%8C%E5%8D%A1" title="#美国银行卡">#美国银行卡</a> <a href="/search/result?q=%23capitalone" title="#capitalone">#capitalone</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%BE%8E%E5%8D%A1" title="#美卡">#美卡</a> <a href="/search/result?q=%23%E7%BE%8E%E5%9B%BD%E4%BA%91%E5%B1%85%E6%B0%91" title="#美国云居民">#美国云居民</a><br /><br />source: <a href="http://xhslink.com/o/67NPUH5AS51" target="_blank" rel="noopener" title="http://xhslink.com/o/67NPUH5AS51">http://xhslink.com/o/67NPUH5AS51</a><br /><br />by 小红书 Kennijima</div>https://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 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preview"></button> <button type="button" class="modal__close" popovertarget="modal-42-2" 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-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/VL2edAdOz512x3QAZj8PhpTiwGPerT1M2IhIIebTgb-7q-nFSogBlwo6nWvhWq0CL-7ib4pd3KMb4UjPFUgKa0hLioUrfviI2DoAFgEmuvzYDyQar_Mpd_Laivy63iHBdBqhUsD-Us5WPe9eTYrb2RLilOgVctJibcVSnCWH9NZy416j-gxzgJQvVxbvTTB0ZFHTwE4IDxhH-rKpo0r6cHk_EFeA-iKfEqO5B8Fl8PPXbDJwDR-lOG3tvlCOAa3SIvO27uD45Dj1EybkXes-kjbvrGx4tMvsFMmze5mGS_6YtikEZQyu7aGteByqlzaJSAcmf-lv2l_aAES2AHmevA.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/oMiT0_UrnzDt1bwJQnMMu75-CxpSrmogRXBAlTmcacW7kzquJjYq7qO9bN8_al6Bn5iKzKMP-yed451QHYk_HvvFGt2Qm5F54FRGGTyxG1-ybE37Jl2yZ2ooRgrg65ukCi2YiFjoY973RDzLQ3qRzOv28bdx_uP7WYx0x0iS96EYBxmCrar2FEhPx0UwhGWwCy1kPZWjBsQ7iusgKlJCeD5q9aisdlJRfdf1_BTRavcrEY8EhpegURjgeWWKrDRHu4-dPfgNn49MYT5_TE7gGMnxK7qfHQG4is9GJd7o9d1aM_H_IQg_HlOxWK8CsQjuDalWJPrb5TSoi5JDf5ZIWg.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 Amex，终于批了希尔顿白卡<i class="emoji"><b>🏨</b></i></b><br /><br />首张 Amex｜Hilton 白卡｜0年费<br /> <br />终于拿下第一张 Amex 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 Amex，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： Amex 首次绑定 Apple Pay，建议从 Amex 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 Amex 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 Amex 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>