{"id":51654,"date":"2025-07-11T10:29:02","date_gmt":"2025-07-11T02:29:02","guid":{"rendered":"https:\/\/www.xyka.net\/?p=51654"},"modified":"2025-07-11T06:00:22","modified_gmt":"2025-07-10T22:00:22","slug":"ky36358","status":"publish","type":"post","link":"https:\/\/www.xyka.net\/know\/ky36358.html","title":{"rendered":"\u5728\u7f8e\u56fd\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361 \u5728\u7f8e\u56fd\u600e\u6837\u7533\u8bf7\u4fe1\u7528\u5361"},"content":{"rendered":"<p><strong>\u5728\u7f8e\u56fd\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u5728\u7f8e\u56fd\u600e\u6837\u7533\u8bf7\u4fe1\u7528\u5361\uff1f<\/strong><\/p>\n<p>\u5728\u7f8e\u56fd\u7684\u7559\u5b66\u751f\u6d3b\u4e2d\uff0c\u4e0d\u53ef\u7f3a\u5c11\u7684\u4e00\u4e2a\u8bdd\u9898\u5c31\u662f\u4fe1\u7528\u5361\u3002\u4ece\u521a\u5f00\u59cb\u5230\u7f8e\u56fd\u5927\u5bb6\u4e50\u6b64\u4e0d\u75b2\u8ba8\u8bba\u7684discover\uff0cfreedom\uff0c\u5230\u6e10\u6e10\u5f00\u59cb\u8003\u8651\u7533\u8bf7\u5404\u79cd\u6709\u5e74\u8d39\u7684\u822a\u7a7a\u5361\u548c\u9152\u5e97\u5361\u3002\u6211\u81ea\u5df1\u5728\u7f8e\u56fd\u5927\u6982\u7528\u4e86\u5feb\u56db\u5e74\u7684\u4fe1\u7528\u5361\uff0c\u5e38\u7528\u7684\u4fe1\u7528\u5361\u662fChase Freedom\uff0c SPG\uff08Amex\uff09\uff0c Chase Sapphire\u548cDiscover;\u52a0\u4e0aUA\u548cAA\u7684frequent flyer program\u3002<\/p>\n<p>\u6240\u4ee5\u5728\u4e70\u4e1c\u897f\u4e4b\u524d\uff08\u5c24\u5176\u662f\u5927\u4ef6\u7269\u54c1\uff09\uff0c\u9664\u4e86Amex\u65f6\u5e38\u63a8\u7684offer\u4ee5\u5916\uff0c\u4e3b\u8981\u662f\u4e70Freedom\u548cDiscover\u57285% category\u5185\u7684\u4e1c\u897f\uff0c\u7136\u540e\u4f1a\u6bd4\u8f83Chase\uff0cAmex\uff0c Citi\uff0c Discover\uff0c UA \u548cAA\u5404\u81eaonline shopping mall\u7684cash back\uff08\u8fd9\u91cc\u6307\u8fd4\u70b9\u6216\u8005\u8fd4\u91cc\u7a0b\uff09\u7684\u767e\u5206\u6bd4;\u6700\u540e\u518d\u51b3\u5b9a\u9009\u54ea\u5bb6\u3002\u5f53\u7136\u4e0d\u8981\u5fd8\u8bb0\u6211\u4eec\u8fd8\u6709Ebates\u8fd9\u4e2a\u5b9e\u6253\u5b9e\u8fd4\u73b0\u91d1\u7684\u7f51\u7ad9\u3002<\/p>\n<p>Ebates\u5e94\u8be5\u7b97\u662f\u5728\u7f8e\u56fd\u6700\u5927\u7684\u8fd4\u73b0\u7f51\u7ad9\u4e86\u5427\uff0c\u6211\u633a\u559c\u6b22\u7528\u4ed6\u5bb6\u7684\uff0c\u9664\u4e86\u8fd4\u7684\u73b0\u91d1\u5230\u8d26\u5feb\u4ee5\u5916\uff0c\u5c31\u662f\u6db5\u76d6\u7684\u5546\u5bb6\u7279\u522b\u591a\uff0c\u591a\u4e8e\u5404\u5927\u4fe1\u7528\u5361\u516c\u53f8\u548c\u822a\u7a7a\u516c\u53f8\u7684online shopping mall\u3002<\/p>\n<p>Chapter.1 \u4fe1\u7528\u5361\u7684\u529f\u80fd\uff08\u8fd9\u90e8\u5206\u4e3b\u8981\u6458\u81eaMITBBS\u4e0a\u6700\u7ecf\u5178\u7684\u4fe1\u7528\u5361\u5165\u95e8\u5e16\u5b50\uff09<\/p>\n<p>1. Buyer Protection or Buyer Security<\/p>\n<p>\u6b64\u7c7b\u670d\u52a1\u7cfb\u6307\u6d88\u8d39\u8005\u4e8e\u8d2d\u7269\u4e5d\u5341\u5929\u5185\u9047\u6709\u7269\u54c1\u610f\u5916\u6bc1\u635f\u3001\u9057\u5931\u3001\u906d\u7a83\u6216\u706b\u707e\u7b49\u4e8b\u7531\uff0c\u53ef\u6301\u539f\u8d2d\u7269\u6536\u636e\u5411\u53d1\u5361\u94f6\u884c\u8bf7\u6c42\u514d\u8d39\u4fee\u62a4\u3001\u66f4\u65b0\u6216\u8981\u6c42\u6b62\u4ed8\u6216\u9000\u6b3e\uff0c\u800c\u6d88\u8d39\u8005\u5219\u987b\u4e8e\u9057\u5931\u6216\u6bc1\u635f\u56db\u5341\u4e94\u5929\u5185\u5411\u53d1\u5361\u516c\u53f8\u63d0\u51fa\u8bf7\u6c42\uff08claim\uff09\u901a\u77e5\uff0c\u82e5\u5ffd\u7565\u4e86\u671f\u9650\uff0c\u53ef\u80fd\u4f1a\u4e27\u5931\u81ea\u5df1\u7684\u6743\u76ca\u3002<\/p>\n<p>2. Extended Warranty or Buyer Assurance<\/p>\n<p>\u4e00\u822c\u5546\u54c1\u5982\u7535\u89c6\u3001\u7535\u8111......\u7b49\u7686\u9644\u6709\u539f\u5382\u5546\u6240\u63d0\u4f9b\u4fdd\u8bc1\u4e66\uff0c\u6b64\u79cd\u4fdd\u8bc1\u5927\u591a\u9488\u5bf9\u552e\u540e\u514d\u8d39\u7ef4\u4fee\u670d\u52a1\u800c\u8a00\u3002\u4e00\u822c\u5546\u5e97\u5e38\u4f1a\u9f13\u52b1\u6d88\u8d39\u8005\u53e6\u4e8e\u539f\u5382\u4fdd\u8bc1\u5e74\u9650\u5916\u52a0\u8d2d\u5546\u5e97\u6240\u63d0\u4f9b\u7684\u5ef6\u957f\u671f\u9650\u670d\u52a1\u4fdd\u8bc1\u3002\u4e8b\u5b9e\u4e0a\uff0c\u4e00\u822c\u4ee5\u4fe1\u7528\u5361\u4ed8\u5e10\u65f6\uff0c\u5373\u53ef\u81ea\u52a8\u83b7\u5f97\u7531\u53d1\u5361\u673a\u6784\u6240\u63d0\u4f9b\u4e4b\u5ef6\u957f\u4fdd\u8bc1\u5e74\u9650\u670d\u52a1\u3002<\/p>\n<p>\u8fd9\u9879\u670d\u52a1\u7cfb\u6307\u539f\u5382\u9644\u6709\u4e94\u5e74\u4ee5\u4e0b\u4fdd\u8bc1\u4e4b\u7269\u54c1\u52a0\u500d\u5ef6\u957f\u5176\u539f\u6709\u4e4b\u4fdd\u8bc1\u5e74\u9650\uff0c\u4f46\u52a0\u500d\u65f6\u4ee5\u4e0d\u8d85\u8fc7\u4e00\u5e74\u4e3a\u539f\u5219\uff0c\u5982\u5546\u54c1\u539f\u6709\u4e5d\u5341\u5929\u4fdd\u8bc1\u8005\uff0c\u5219\u53ef\u56e0\u6b64\u9879\u670d\u52a1\u800c\u81ea\u52a8\u4fdd\u8bc1\u81f3\u4e00\u767e\u516b\u5341\u5929\uff0c\u4f46\u82e5\u4e8c\u5e74\u4ee5\u4e0a\u4fdd\u8bc1\u8005\uff0c\u5219\u4ee5\u5ef6\u957f\u4e00\u5e74\u4e3a\u9650\u3002\u4e00\u822c\u4fe1\u7528\u5361\u7686\u65e0\u987b\u4e8b\u5148\u767b\u8bb0\uff0c\u82e5\u9047\u5546 \u54c1\u6709\u4efb\u4f55\u6bc1\u635f\uff0c\u53ea\u8981\u8be5\u7269\u54c1\u4ecd\u5728\u5ef6\u957f\u4fdd\u8bc1\u671f\u9650\u5185\uff0c\u5219\u7686\u53ef\u8981\u6c42\u53d1\u5361\u673a\u6784\u514d\u8d39\u4fee\u62a4\u8be5\u9879\u4ea7\u54c1 \u3002<\/p>\n<p>\u4f46\u7f8e\u56fd\u8fd0\u901a\u5361\uff08American Express\uff09\u5219\u8981\u6c42\u6d88\u8d39\u8005\u987b\u4e8e\u8d2d\u7269\u5345\u5929\u5185\u529e\u7406\u767b\u8bb0\uff0c\u82e5\u8fc7\u4e86\u5345\u5929\u800c\u672a\u767b\u8bb0\uff0c\u5c3d\u7ba1\u8be5\u7269\u54c1\u4ecd\u5728\u539f\u5382\u4fdd\u8bc1\u671f\u9650\uff0c\u4e5f\u65e0\u6cd5\u8865\u52a0\u5165\u6b64\u9879\u670d\u52a1\uff0c\u56e0\u6b64\u6301\u6709\u8fd0\u901a\u5361\u8005\uff0c\u4e0d\u5f97\u4e0d\u7559\u610f\u3002<\/p>\n<p>3. Travel Accident Insurance<\/p>\n<p>\u82e5\u4ee5\u4fe1\u7528\u5361\u8d2d\u4e70\u673a\u7968\u6216\u5176\u5b83\u4ea4\u901a\u5de5\u5177\u4e4b\u8f66\u7968\uff0c\u51fa\u5916\u65c5\u6e38\u65f6\uff0c\u53ef\u83b7\u5f97\u4e94\u4e07\u81f3\u4e8c\u5341\u4e94\u4e07\u4e0d\u7b49\u4fdd\u989d\u4e4b\u610f\u5916\u9669\u4fdd\u969c\uff0c\u4fdd\u989d\u9ad8\u4f4e\u5404\u53d1\u5361\u673a\u6784\u4e0d\u540c\uff0c\u8be6\u53ef\u67e5\u9605\u4fe1\u7528\u5361\u534f\u5b9a\u4e66\u3002<\/p>\n<p>\u8fd9\u8fb9\u8981\u5f3a\u70c8\u63a8\u8350Chase Sapphire Preferred\uff01 \u8fd9\u5361\u7ba1\u673a\u7968\u56e0\u4e3a\u5929\u6c14\u539f\u56e0\u53d6\u6d88\u6216\u8005\u5ef6\u8bef\u7684\u8d54\u507f\u3002\u5929\u6c14\u539f\u56e0\u53d6\u6d88\u6216\u8005\u5ef6\u8bef\u901a\u5e38\u4e0d\u5728\u822a\u7a7a\u516c\u53f8\u89c4\u5b9a\u7684\u8d54\u507f\u8303\u56f4\u5185\uff0c\u6240\u4ee5\u4f60\u53ef\u4ee5\u5c3d\u60c5\u627eChase\u7d22\u8d54\u5566\uff01\u54c8\u54c8\u3002<\/p>\n<p>4. Collision\uff0c Loss \u8fd0\u901a\u5361\u3001Chase\u3001Citibank \u7686\u63a8\u51fa\u4e0d\u540c\u4f18\u60e0\u89c4\u5b9a\u7684\u5b66\u751f\u6298\u6263\u6216\u6298\u4ef7\u5ec9\u4ef7\u673a\u7968;\u4ee5\u53ca\u4e00\u5361\u4e8c\u7528\uff08\u53ef\u7528\u4e3a\u7535\u8bdd\u5361\uff09\u4f18\u60e0\uff0c\u5982Citibank\u3001\u8fd0\u901a\u5361\u4e0eMCI\u5408\u4f5c\u63a8\u51fa\u4f7f\u7528\u4fe1\u7528\u5361\u4f5c\u4e3a\u7535\u8bdd\u5361\u6298\u4ef7\u4f18\u60e0\uff0cAT\u751a\u6216\u8ba1\u70b9\u5206\u7ea7\u83b7\u5f97\u8d60\u54c1\uff0c\u5982Citi bank\u4fe1\u7528\u5361\u5373\u63d0\u4f9b\u4e8e\u67d0\u4e00\u671f\u95f4\u5185\u5982\u6d88\u8d39\u6ee1\u591a\u5c11\u91d1\u989d\uff0c\u53ef\u4f9d\u7ea7\u6570\u83b7\u5f97\u8d60\u54c1\u3002<\/p>\n<p>\u8bf8\u6b64\u6240\u63d0\u7686\u4e3a\u514d\u8d39\u670d\u52a1\u9879\u76ee\uff0c\u5404\u53d1\u5361\u5355\u4f4d\u4ea6\u6709\u4ed8\u8d39\u5f0f\u4e4b\u670d\u52a1\u9879\u76ee\uff0c\u5982\u5361\u7247\u4fdd\u62a4\uff0c\u884c\u674e\u4fdd\u9669\u7b49\u4e0d\u4e00\u800c\u8db3\uff0c\u8fd9\u7c7b\u578b\u670d\u52a1\u7eaf\u4e3a\u9526\u4e0a\u6dfb\u82b1\uff0c\u529f\u80fd\u4e0d\u5927\uff0c\u7eaf\u89c6\u4e2a\u4eba\u9700\u8981\u800c\u5b9a\uff0c\u800c\u4e14\u5f80\u5f80\u9700\u53e6\u7f34\u53c1\u52a0\u5e74\u8d39\u82e5\u5e72\u3002\u4ee5\u4e0a\u51e0\u79cd\u529f\u80fd\uff0c\u9996\u63a8AMEX\uff0c\u4ed6\u5bb6\u7684\u552e\u540e\u670d\u52a1\u4e00\u81f4\u662f\u6700\u8d5e\u7684\u3002<\/p>\n<p>Chapter.2 \u4fe1\u7528\u5361\u5206\u6570101<\/p>\n<p>\u4fe1\u7528\u5206\u6570\u79ef\u6512\u7684\u8f7d\u4f53\u662fSocial Security Number\uff0c\u4e2d\u56fd\u4eba\u559c\u6b22\u7f29\u5199\u558a\u6210SSN\uff0c\u8001\u7f8e\u6709\u65f6\u5019\u4e5f\u53ebTax ID\uff0c\u9700\u8981\u5728\u7f8e\u56fd\u6709\u5de5\u4f5c\uff08\u5305\u62econ-campus\u7684\u517c\u804c\uff09\u624d\u80fd\u6709\u3002\u67e5\u8be2Credit\u4e00\u822c\u662f\u8981\u94b1\u7684\uff0c\u63a8\u8350\u5728creditkarma.com\u4e0a\u9762\u7533\u8bf7\u4e00\u4e2a\u8d26\u53f7\u4ee5\u67e5\u8be2\u81ea\u5df1\u7684\u4fe1\u7528\u5206\u6570\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u7f8e\u56fd\u6709\u4e09\u5927\u4fe1\u7528\u62a5\u544a\u673a\u6784 Equifax\u3001Experian \u548c TransUnion \uff0c\u4ed6\u4eec\u5404\u81ea\u7684\u8bc4\u4f30\u7cfb\u7edf\u4e0d\u540c\uff0c\u6240\u4ee5\u5206\u6570\u4e5f\u4e0d\u4e00\u6837;\u800c\u63d0\u4f9b\u7684\u53ea\u662f\u4e00\u4e2a\u4f30\u8ba1\u503c\u3002<\/p>\n<p>creditkarma.com\u66fe\u7ecf\u662f\u6bcf\u5929\u90fd\u80fdUpdate\u4e86\uff0c\u5927\u6982\u4ece\u5927\u534a\u5e74\u524d\u6539\u6210\u4e86\u6bcf\u5468upate\u4e00\u6b21\u3002\u6709Citi\u8d26\u6237\u7684\u540c\u5b66\uff0c\u4e5f\u53ef\u4ee5\u4f7f\u7528\u4ed6\u4eec\u5bb6\u63d0\u4f9b\u7684Citi Monitor\u6765\u89c2\u5bdf\u81ea\u5df1\u7684credit\u3002<\/p>\n<p>1. Utilization<\/p>\n<p>\u5bf9\u4e8e\u5355\u5f20\u4fe1\u7528\u5361\u6765\u8bf4\uff0c\u5c31\u662f\u6bcf\u4e2a\u6708\u7684statement balance\u9664\u4ee5\u5b83credit limit\u3002\u5bf9\u4e8e\u4e2a\u4eba\u7684\u6574\u4e2a\u4fe1\u7528\u5361\u60c5\u51b5\u6765\u8bf4\uff0c\u5c31\u662f\u6bcf\u4e2a\u6708\u7684statement balance\u4e4b\u548c\u9664\u4ee5\u5b83credit limit\u4e4b\u548c\u3002\u5728creditkarma.com\u7684\u8bc4\u4f30\u7cfb\u7edf\u91cc\uff0cutilization\u7684A\u7ea7\u662f1% - 10%\uff0c\u6240\u4ee5\u65e0\u8bba\u4f60\u6bcf\u4e2a\u6708\u6d88\u8d39\u4e86\u591a\u5c11\u94b1\uff0c\u5efa\u8bae\u4e00\u5b9a\u8981\u5728closing date\uff08\u6bcf\u4e2a\u6708\u51fa\u8d26\u5355\u7684\u7ed3\u7b97\u65e5\uff09\u4e4b\u524d\u8fd8\u6b3e\uff0c\u4fdd\u8bc1\u6bcf\u4e2a\u6708\u7684statement balance\u5230utilization\u76841% - 10%\u3002 \u8fd9\u4e2a\u6ce8\u610f\u4e8b\u9879\u5bf9\u65b0\u624b\u7279\u522b\u91cd\u8981\uff0c\u56e0\u4e3a\u521a\u6765\u7684\u65f6\u5019\u4fe1\u7528\u5361\u7ed9\u7684\u4fe1\u7528\u989d\u5ea6\u90fd\u4e0d\u9ad8\uff0c\u968f\u4fbf\u4e00\u6d88\u8d39utilization\u5c31\u5f88\u9ad8\u4e86\u3002<\/p>\n<p>2. Payment History<\/p>\n<p>\u4e3b\u8981\u770b\u662f\u5426\u5728due date\u4e4b\u524d\u53ca\u65f6\u8fd8\u6b3e\uff08due date\u5219\u662f\u4e0a\u4e2a\u6708minimum payment\u7684\u6700\u665a\u4ed8\u6e05\u65f6\u95f4\uff09\u3002\u8fd9\u4e2a\u5927\u5bb6\u4e00\u822c\u90fd\u80fd\u8bb0\u4f4f;\u5982\u679c\u5b9e\u5728\u592a\u5fd9\u7684\u8bdd\uff0c\u4fdd\u9669\u8d77\u89c1\u5efa\u8bae\u8bbe\u7f6e\u4e2aauto pay\u3002\u5982\u679c\u5076\u5c14\u6709\u5fd8\u8bb0\u8fd8\u6b3e\uff0c\u94f6\u884c\u4f1acharge\u4f60late fee\uff0c\u5bf9\u4e8e\u521d\u72af\u7684\u540c\u5b66\u6765\u8bf4\u90fd\u53ef\u4ee5\u548c\u5ba2\u670dargu\u4e00\u4e0b\u7ed9waive\u6389\u7684\u3002\u4efb\u4f55\u4e0d\u826f\u8bb0\u5f55\uff08\u7834\u4ea7\u3001\u88ab\u50ac\u503a\u3001\u8fdf\u8fd8\u6b3e\u7b49\uff097\u5e74\u624d\u80fd\u6d88\u5931\uff01\uff01<\/p>\n","protected":false},"excerpt":{"rendered":"\u5728\u7f8e\u56fd\u5982\u4f55\u7533\u8bf7\u4fe1\u7528\u5361\uff1f\u5728\u7f8e\u56fd\u600e\u6837\u7533\u8bf7\u4fe1\u7528\u5361\uff1f \u5728\u7f8e\u56fd\u7684\u7559\u5b66\u751f\u6d3b\u4e2d\uff0c\u4e0d\u53ef\u7f3a\u5c11\u7684\u4e00\u4e2a\u8bdd\u9898\u5c31\u662f\u4fe1\u7528\u5361\u3002\u4ece\u521a\u5f00\u59cb\u5230 &hellip;","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"class_list":["post-51654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-know1"],"_links":{"self":[{"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/posts\/51654","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/comments?post=51654"}],"version-history":[{"count":0,"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/posts\/51654\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/media?parent=51654"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/categories?post=51654"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.xyka.net\/know\/wp-json\/wp\/v2\/tags?post=51654"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}