Hello everyone, I am an international student about to return to serve the motherland. In 2013, Meiben and Meishuo lived in this lonely land for more than 6 years. Before leaving, I want to share with you my card opening experience over the years, but also to commemorate my experience of this wool.
- BOA CASH REWARDS
14 cards in 6 years
I believe this card is the first card for all international students, whether you are playing a credit card or not, because you don’t need an SSN, you can apply for it at the counter. I opened a CHECKING and SAVING account at BOA in the summer of 13 years, and opened this card by the way. To be honest, I have never used this card since I got the second card, because I feel that there is no bright spot, the amount is only 500 at the beginning, and there are overseas handling fees, although you can choose the category 3% cashback, But is it not fragrant for freedom and discover 5% in each quarter? ? - CITI FORWARD
14 cards in 6 years
This card was taken by the first year to CITI to open the CHECKING ACCOUNT. In fact, it has not been used very much. However, I checked this card is a god card, eating and amazon 5 times TYP, but unfortunately at that time I didn’t understand the true meaning. The card is also out of print, so keep a memorial. - DISCOVER IT
14 cards in 6 years
With the first card after the SSN, Discover is still very useful. Although there is no sign-up bonus, it is still very powerful to cooperate with 5% cashback every day. If you can’t exchange points, you can use it to repay! I remember when I first opened the card, I forgot that Apple was 10% or 5%. I immediately bought two phones and got a lot of blood back. It is said that you can go to UnionPay when you return to China. - CHASE FREEDOM
14 cards in 6 years
Same quarter as DISCOVER. I usually wait for refueling and eating. What is better than DISCOVER is to return to UR for HYATT. I believe that what I have used is good. However, there is a handling fee. There is also a sister version of Unlimited, all consumption is 1.5%, I did not open (because 524). - CHASE CSP
14 cards in 6 years
The first annual fee card in life, metal high force, is also one of my most used cards. Although the return and daily rebates are very low after the first year, it does not affect my love for it at all. Unfortunately, because of CHASE’s strict 524 and Sapphire policies, I have no chance to open a CSR. - BANANA REPUBLIC joint name
14 cards in 6 years
The co-branded card of Banana Empire and the small bank was quite tasteless, and it was all tears, and I blamed me for not hearing it at the time. I thought I would open a credit account as a result of opening a member account. It’s better to open a Messi or Nordstrom. I closed the next year. - CHASE IHG
14 cards in 6 years
This is the old card before the revision. The annual fee of 49 is given to a house voucher every year (this year can only be changed for less than 4W). I don’t plan to close it after returning to China. After all, I can exchange the annual fee and give it to platinum. Although platinum is a P, it just matched China Southern Airlines last year. Before China Southern does not change the membership policy, the gold card is still very powerful. - AMEX SPG
14 cards in 6 years
I also applied for this before the revision. The 95 annual fee is for a room voucher below 35K. Although it can also be repaid back to the annual fee, the gift of Marriott Silver is more P-like than Intercontinental Platinum, so I don’t plan to hold it. Yes. - AMEX GOLD
14 cards in 6 years
I feel that this is the best use of all my cards. Let’s not mention the card rewards. Although the annual fee of the old card 195 and the new card 250 seems to be high, it is 4 times the daily rebate of the supermarket, 100 airlines per calendar year Reimbursement plus a monthly reimbursement of $10 per month for individual restaurants or takeaways is enough to earn annual fees, and is the rose gold metal design not a local? (Although many people say it is ugly), it has recently been disappointed that aviation reimbursement cannot buy gift cards. - AMEX DELTA PLATINUM
14 cards in 6 years
If you just need to travel every year, it is strongly recommended to apply for it. Every year, the base friend tickets donated a round trip to the East and West to easily earn the annual fee. I flew to Los Angeles-Dallas in the first year, and Los Angeles-New York in the second year. Coupled with free checked baggage and priority boarding, it can be said to be a necessary card for travel. - AMEX DELTA GOLD
14 cards in 6 years
The opening of this card is solely for the purpose of opening a card reward. Except that there are no basic friends, the basic benefits are basically the same as the previous one, so there is no need to stay after getting the card opening reward. It is recommended that there is no platinum card and there is no need to hold it for a long time, because the daily rebate is very water, unless you sit in Delta every day (betting on some wood!) - AMEX ED
14 cards in 6 years
A grocery shopping card with no annual fee is opened because you want to keep MR. I use MR 20% more than 20 times a month, but I have never used it. I basically use AE gold when I go to the supermarket. The transparent card design is unique and worth collecting. - CITI AA PLATINUM
14 cards in 6 years
To open the card for rewards, this is also one of the must- apply cards. Shigao’s 65K reward plus free shipping and priority boarding, there is no annual fee for the first year of the key, you can directly consider turning off after receiving the reward. The estimated value of AA miles is 65K=975 knives, but the actual use is much larger than this ratio. I exchanged 70K for the two-person LAX-MIA round trip business class. I checked the actual price and it was more than 1,300 per person, making a huge profit. - CITI PREMIER
14 cards in 6 years
This card was only opened in early November of last year. I originally wanted to use it for my girlfriend and then used the reward to give her a business class for returning to China next year, but I just need to travel in November, plus Black Friday bought a thinkpad x1, the sign-up bonus is easy to get, and I am still thinking about where the more than 8w TYP will be transferred to.
The above is my history of capitalist wool in the past 6 years. If there is not much written or rigorous, please understand. After all, I am not a professional card player. I just converted it to a reasonable need to get the most benefit. I counted and exchanged 5 points of one-way China-US business class with points, and also changed several domestic business class in the United States. The hotel has not changed much (except for the value-added HYATT). I always think that it is not as good as a ticket to change the hotel. really. Here are warm suggestions for friends who have not applied for a US credit card, sure! You have to wait until the high card opening bonus is applied, because the one-time card opening bonus is equivalent to several years of expenses. And I must get the SSN as soon as possible. I was a freshman and got a job in the school cafeteria. With the SSN, you will have credit points, and it will be much easier to open the card afterwards. Perhaps I am lucky enough that all online card openings are in seconds, and I hope to bring this good luck to everyone. If you have any questions you can leave a message to me, I will try my best to help everyone.
In the middle, I will share with you the experience of buying points. At the beginning of the 17th, SPG and Marriott had not merged at the time. It happened that SPG had a discount to buy points, so I bought a 5w SPG with more than 900 knives, and then switched to Alaska, because every 2w gave 5k more, so 4g SPG=5w Alaska , And then use 5w Alaska plus a little tax to exchange HNA’s business class back home. Personally think that Alaska HNA is the most stable way to change Sino-US business, but Alaska is more difficult to save, summed up is less than 800 dollars to buy A lax-pek one-way business class, is it very cost-effective!
1.21 replaced the Delta DL129 lax-sea-pek business class ticket with 6w VS, which can be regarded as a happy ending for this journey. When I return home, I may base in Shenzhen. As a primary student in the domestic credit card industry, I would like to ask you what cards are suitable for you to apply for after you return to China? Mainly want to buy online or co-brand with the airline company.
Finally, thank you all for watching, I wish the bosses in the teahouse to enter the gold fight in 2020, and open the card in seconds!
