{"id":11523,"date":"2023-10-25T08:17:59","date_gmt":"2023-10-25T05:17:59","guid":{"rendered":"https:\/\/visakrokit.com\/mei-guo-xin-yong-ka-%e3%80%81-xin-yong-ping-fen-%e3%80%81-mian-fei-li-cheng\/"},"modified":"2026-04-22T09:41:20","modified_gmt":"2026-04-22T06:41:20","slug":"mei-guo-xin-yong-ka-%e3%80%81-xin-yong-ping-fen-%e3%80%81-mian-fei-li-cheng","status":"publish","type":"post","link":"https:\/\/visakrokit.com\/zh-hans\/mei-guo-xin-yong-ka-%e3%80%81-xin-yong-ping-fen-%e3%80%81-mian-fei-li-cheng\/","title":{"rendered":"\u7f8e\u56fd\u4fe1\u7528\u5361\u3001\u4fe1\u7528\u8bc4\u5206\u3001\u514d\u8d39\u91cc\u7a0b"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row pix_particles_check=&#8221;&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]\u0410\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u044c: \u0430\u043f\u0440\u0435\u043b\u044c 2024\r\n\u0414\u0430\u043d\u043d\u0430\u044f \u0438\u043d\u0441\u0442\u0440\u0443\u043a\u0446\u0438\u044f \u043f\u0440\u0435\u0434\u043d\u0430\u0437\u043d\u0430\u0447\u0435\u043d\u0430 \u0434\u043b\u044f \u043d\u0435\u0434\u0430\u0432\u043d\u043e \u043f\u0440\u0438\u0431\u044b\u0432\u0448\u0438\u0445 \u0432 \u0421\u0428\u0410 \u0438 \u043a\u0442\u043e \u043d\u0435 \u0445\u043e\u0447\u0435\u0442 \u0442\u0440\u0430\u0442\u0438\u0442\u044c \u043d\u0435\u0434\u0435\u043b\u0438 \u043d\u0430 \u0438\u0437\u0443\u0447\u0435\u043d\u0438\u044f \u0440\u0430\u0437\u0440\u043e\u0437\u043d\u0435\u043d\u043d\u043e\u0439 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438.\r\n\r\n\u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u0431\u0443\u0434\u0435\u0442 \u0440\u0430\u0441\u0441\u043a\u0430\u0437\u0430\u043d\u043e: \u043a\u0430\u043a \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u043a\u0430\u0440\u0442\u0443, \u043a\u0430\u043a \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u0441\u0432\u043e\u0439 \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0435\u0439\u0442\u0438\u043d\u0433 (\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u0438\u0441\u0442\u043e\u0440\u0438\u044e), \u043a\u0430\u043a \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0435 \u043c\u0438\u043b\u0438, \u0447\u0442\u043e \u0431\u044b \u043b\u0435\u0442\u0430\u0442\u044c \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e.\r\n\r\n&nbsp;\r\n<h3>\u041e\u0442\u043a\u0440\u044b\u0442\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u044b:<\/h3>\r\n\u041f\u043e \u043f\u0440\u0438\u0435\u0437\u0434\u0443 \u043b\u0443\u0447\u0448\u0435 \u0432\u0441\u0435\u0433\u043e \u0438\u0434\u0442\u0438 \u0432 Bank of America \u0438 \u043f\u043e\u043f\u0440\u043e\u0441\u0438\u0442\u044c \u043e\u0442\u043a\u0440\u044b\u0442\u044c Secure Credit Card (\u0432\u044b \u043b\u043e\u0436\u0438\u0442\u0435 \u0441\u0432\u043e\u0438 \u0434\u0435\u043d\u044c\u0433\u0438, \u043e\u0431\u044b\u0447\u043d\u043e \u0432\u0441\u0435 \u043a\u043b\u0430\u0434\u0443\u0442 500$).\r\n\r\n\u041c\u043e\u0436\u043d\u043e \u0440\u0438\u0441\u043a\u043d\u0443\u0442\u044c \u0438 \u0441\u0440\u0430\u0437\u0443 \u043f\u043e\u043f\u0440\u043e\u0431\u043e\u0432\u0430\u0442\u044c \u043e\u0442\u043a\u0440\u044b\u0442\u044c \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u043a\u0430\u0440\u0442\u0443, \u043d\u043e \u0432 50% \u0441\u043b\u0443\u0447\u0430\u0435\u0432 \u043c\u043e\u0433\u0443\u0442 \u043e\u0442\u043a\u0430\u0437\u0430\u0442\u044c \u0438 \u0442\u043e\u0433\u0434\u0430 \u043e\u0442\u043d\u0438\u043c\u0443\u0442 \u0431\u0430\u043b\u044b \u0441 \u0432\u0430\u0448\u0435\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0435\u0439\u0442\u0438\u043d\u0433\u0430.\r\n\r\n\u0418\u043d\u043e\u0433\u0434\u0430 \u043f\u043e\u043f\u0430\u0434\u0430\u044e\u0442\u0441\u044f \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u044b \u0432 \u0431\u0430\u043d\u043a\u0435, \u043a\u043e\u0442\u043e\u0440\u044b\u043c \u043b\u0435\u043d\u044c \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c (\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0432 \u043a\u043e\u043d\u0446\u0435 \u0440\u0430\u0431\u043e\u0447\u0435\u0433\u043e \u0434\u043d\u044f, \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0435 \u0432 \u043f\u0435\u0440\u0432\u043e\u0439 \u043f\u043e\u043b\u043e\u0432\u0438\u043d\u0435 \u0434\u043d\u044f), \u043e\u043d\u0438 \u043c\u043e\u0433\u0443\u0442 \u0441\u043a\u0430\u0437\u0430\u0442\u044c, \u0447\u0442\u043e \u0432\u0430\u043c \u043d\u0435\u043b\u044c\u0437\u044f \u0441\u0434\u0435\u043b\u0430\u0442\u044c, \u043f\u0440\u043e\u0441\u0442\u043e \u0435\u0434\u0435\u0442\u0435 \u043a \u0441\u043e\u0441\u0435\u0434\u043d\u0435\u043c\u0443 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u0443 \u0438\u043b\u0438 \u0432 \u0434\u0440\u0443\u0433\u043e\u0435 \u043e\u0442\u0434\u0435\u043b\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0430.\r\n\r\n\u041a\u0430\u043a \u0442\u043e\u043b\u044c\u043a\u043e \u0432\u044b \u043e\u0442\u043a\u0440\u044b\u043b\u0438 Secure \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u043a\u0430\u0440\u0442\u0443, \u0441 \u044d\u0442\u043e\u0433\u043e \u043c\u043e\u043c\u0435\u043d\u0442\u0430 \u0443 \u0432\u0430\u0441 \u043f\u043e\u044f\u0432\u0438\u043b\u0441\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0435\u0439\u0442\u0438\u043d\u0433, \u043d\u043e \u0432\u044b \u0435\u0433\u043e \u043d\u0435 \u0432\u0438\u0434\u0438\u0442\u0435, \u0430 \u0443\u0432\u0438\u0434\u0438\u0442\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u0447\u0435\u0440\u0435\u0437 6 \u043c\u0435\u0441\u044f\u0446\u0435\u0432.\r\n\r\n\u041d\u043e \u0435\u0441\u0442\u044c \u0441\u043f\u043e\u0441\u043e\u0431 \u0443\u0432\u0438\u0434\u0435\u0442\u044c \u0441\u0440\u0430\u0437\u0443 \u0441\u0432\u043e\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0435\u0439\u0442\u0438\u043d\u0433.\r\n\r\n\u0423\u0447\u0438\u0442\u044b\u0432\u0430\u0439\u0442\u0435, \u0447\u0442\u043e \u043b\u0443\u0447\u0448\u0435 \u043f\u0435\u0440\u0432\u0443\u044e \u043a\u0430\u0440\u0442\u0443 \u0431\u0440\u0430\u0442\u044c \u0431\u0435\u0437 \u0430\u0431\u043e\u043d\u0435\u043d\u0442\u0441\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u044b, \u0442.\u043a. \u0435\u0435 \u043d\u0435\u043b\u044c\u0437\u044f \u0431\u0443\u0434\u0435\u0442 \u0437\u0430\u043a\u0440\u044b\u0442\u044c \u043d\u0438\u043a\u043e\u0433\u0434\u0430, \u0438\u043d\u0430\u0447\u0435 \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0435\u0439\u0442\u0438\u043d\u0433 \u043e\u0431\u0440\u0443\u0448\u0438\u0442\u0441\u044f.\r\n\r\n&nbsp;\r\n<h3>Credit Score Fico (\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0438\u0441\u0442\u043e\u0440\u0438\u044f, \u0440\u0435\u0439\u0442\u0438\u043d\u0433)<\/h3>\r\n\u0427\u0442\u043e \u0431\u044b \u0443\u0432\u0438\u0434\u0435\u0442\u044c \u0441\u0432\u043e\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0435\u0439\u0442\u0438\u043d\u0433, \u043d\u0430\u0434\u043e \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u0432 2\u0445 \u0441\u0430\u0439\u0442\u0430\u0445 (\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f\u0445):\r\n<ol>\r\n \t<li><a href=\"https:\/\/www.creditkarma.com\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Credit Karma<\/a><\/li>\r\n \t<li><a href=\"https:\/\/usa.experian.com\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Experian<\/a><\/li>\r\n<\/ol>\r\n\u0427\u0442\u043e \u0431\u044b \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u043d\u0430 \u044d\u0442\u0438\u0445 \u0441\u0430\u0439\u0442\u0430\u0445, \u0432\u0430\u043c \u043d\u0430\u0434\u043e SSN, \u0435\u0433\u043e \u043c\u043e\u0436\u0435\u0442 \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u0432\u043e\u0442 \u044d\u0442\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f <a href=\"https:\/\/visakrokit.com\" target=\"_blank\" rel=\"noopener\">visakrokit.com<\/a>\r\n\r\n\u0416\u0435\u043b\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u043f\u043e\u0441\u043b\u0435 \u0442\u043e\u0433\u043e \u043a\u0430\u043a \u0441\u0434\u0435\u043b\u0430\u043b\u0438 SSN \u0441\u043e\u043e\u0431\u0449\u0438\u0442\u044c \u043d\u043e\u043c\u0435\u0440 SSN \u0432 \u0431\u0430\u043d\u043a.\r\n\r\n\u041f\u043e\u0441\u043b\u0435 \u0442\u043e\u0433\u043e \u043a\u0430\u043a \u0441\u043c\u043e\u0436\u0435\u0442\u0435 \u0437\u0430\u0440\u0435\u0433\u0430\u0442\u044c\u0441\u044f, \u0412\u044b \u0443\u0432\u0438\u0434\u0438\u0442\u0435 \u0437\u0430 \u0447\u0442\u043e \u0432\u0430\u043c \u0434\u043e\u0431\u0430\u0432\u043b\u044f\u044e\u0442 \u043e\u0447\u043a\u0438 (points), \u0430\u00a0 \u0437\u0430 \u0447\u0442\u043e \u043e\u0442\u043d\u0438\u043c\u0430\u044e\u0442.\r\n\r\n&nbsp;\r\n<h3>\u0423\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0438\u0441\u0442\u043e\u0440\u0438\u0438<\/h3>\r\n\u0427\u0442\u043e \u0431\u044b \u0432\u0430\u0448 \u0440\u0435\u0439\u0442\u0438\u043d\u0433 \u0431\u044b\u043b \u0432\u044b\u0441\u043e\u043a\u0438\u043c \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e:\r\n<ul>\r\n \t<li>\u0422\u0440\u0430\u0442\u0438\u0442\u044c \u0434\u043e 30% \u043e\u0442 \u0441\u0443\u043c\u043c\u044b, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u0432\u044b\u0434\u0435\u043b\u0435\u043d\u0430 \u0432\u0430\u043c \u043a\u0430\u043a \u043a\u0440\u0435\u0434\u0438\u0442.<\/li>\r\n \t<li>\u041a\u0430\u043a \u043c\u043e\u0436\u043d\u043e \u0431\u044b\u0441\u0442\u0440\u0435\u0435 \u0433\u0430\u0441\u0438\u0442\u044c \u0441\u0443\u043c\u043c\u0443, \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0432\u044b \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u043b\u0438 \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0438 (\u043f\u0440\u043e\u0441\u0442\u043e \u043f\u0435\u0440\u0435\u0432\u043e\u0434 \u0441 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u043e\u0439 \u043a\u0430\u0440\u0442\u044b \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e).<\/li>\r\n \t<li>\u0418\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c \u0440\u0430\u0437\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b, \u0434\u0430\u043b\u0435\u0435 \u0440\u0430\u0441\u0441\u043a\u0430\u0436\u0435\u043c \u043a\u0430\u043a\u0438\u0435.<\/li>\r\n \t<li>\u0414\u0435\u0440\u0436\u0430\u0442\u044c \u043a\u0430\u043a \u043c\u043e\u0436\u043d\u043e \u0431\u043e\u043b\u044c\u0448\u0435 \u0434\u0435\u043d\u0435\u0433 \u043d\u0430 \u0431\u0430\u043b\u0430\u043d\u0441\u0435 \u0432\u0430\u0448\u0435\u0433\u043e \u0440\u0430\u0441\u0447\u0435\u0442\u043d\u043e\u0433\u043e \u0441\u0447\u0435\u0442\u0430 (Checking account)<\/li>\r\n<\/ul>\r\n&nbsp;\r\n\r\n\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0435\u0439\u0442\u0438\u043d\u0433 \u0441\u043c\u043e\u0442\u0440\u0438\u0442 \u043d\u0430 \u0441\u043a\u043e\u043b\u044c\u043a\u043e \u0432\u044b \u0443\u043c\u0435\u0442\u0435 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u0440\u0430\u0437\u043d\u044b\u043c\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430\u043c\u0438, \u0447\u0435\u043c \u0431\u043e\u043b\u044c\u0448\u0435, \u0442\u0435\u043c \u043b\u0443\u0447\u0448\u0435.\r\n\r\n<strong>\u0420\u0430\u0437\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b:<\/strong>\r\n\r\n\u041b\u0438\u0437\u0438\u043d\u0433\u043e\u0432\u044b\u0439 \u0434\u043e\u0433\u043e\u0432\u043e\u0440 &#8211; \u0430\u0440\u0435\u043d\u0434\u0430 \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u044b, \u043f\u043e\u043a\u0443\u043f\u043a\u0430 \u0430\u0432\u0442\u043e \u0432 \u043a\u0440\u0435\u0434\u0438\u0442.\r\n\r\n\u0417\u0430\u0439\u043c (Loan) &#8211; \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u044c \u0440\u0430\u0437\u043d\u044b\u0435 \u0442\u043e\u0432\u0430\u0440\u044b \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u043d\u0430 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u044b\u0445 \u0441\u0430\u0439\u0442\u0430\u0445 Amazon, Ebay, Walmart, American Airlines, &#8230; \u043e\u0431\u044b\u0447\u043d\u043e \u0442\u043e\u0432\u0430\u0440 \u0434\u043e\u043b\u0436\u0435\u043d \u0441\u0442\u043e\u0438\u0442\u044c \u0431\u043e\u043b\u044c\u0448\u0435 50-100$ \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0432\u0438\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0445 \u043a\u0430\u0440\u0442 \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443:\r\n<ul>\r\n \t<li><a href=\"https:\/\/app.klarna.com\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Klarna<\/a><\/li>\r\n \t<li><a href=\"https:\/\/www.affirm.com\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Affirm<\/a><\/li>\r\n \t<li><a href=\"https:\/\/www.afterpay.com\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Afterpay<\/a><\/li>\r\n \t<li><a href=\"https:\/\/zip.co\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Zip<\/a><\/li>\r\n<\/ul>\r\n&nbsp;\r\n<h3>\u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0435 \u043c\u0438\u043b\u0438 \u0434\u043b\u044f \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u044b<\/h3>\r\n\u041a\u0430\u043a \u0442\u043e\u043b\u044c\u043a\u043e \u0443 \u0432\u0430\u0441 \u043d\u0430\u0447\u043d\u0435\u0442\u0441\u044f \u043f\u043e\u044f\u0432\u043b\u044f\u0442\u044c\u0441\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0438\u0441\u0442\u043e\u0440\u0438\u044f, \u0431\u0430\u043d\u043a\u0438 \u043d\u0430 \u0432\u0430\u0448 \u0430\u0434\u0440\u0435\u0441 \u043d\u0430\u0447\u043d\u0443\u0442 \u043f\u0440\u0438\u0441\u044b\u043b\u0430\u0442\u044c \u043a\u0440\u0430\u0441\u0438\u0432\u044b\u0435 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u044b \u0441 \u0440\u0435\u043a\u043b\u0430\u043c\u043e\u0439 \u043d\u043e\u0432\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043a\u0430\u0440\u0442.\r\n\r\n\u041d\u0438 \u0432 \u043a\u043e\u0435\u043c \u0441\u043b\u0443\u0447\u0430\u0435 \u0438\u0445 \u043d\u0435 \u0431\u0435\u0440\u0438\u0442\u0435 \u0441\u0435\u0431\u0435. \u0410 \u0442\u0430\u043a \u0436\u0435 \u043d\u0435 \u0431\u0435\u0440\u0438\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u044e\u0442 \u0432\u0430\u043c \u0432 \u0440\u0430\u0437\u043d\u044b\u0445 \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0430\u0445.\r\n\r\n\u041d\u0435 \u043e\u0431\u0440\u0430\u0449\u0430\u0439\u0442\u0435 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435 \u043d\u0430 \u043a\u044d\u0448 \u0431\u044d\u043a\u0438 1-3% \u0434\u043b\u044f \u0444\u0438\u0437\u0438\u043a\u0430 \u043e\u043d\u0438 \u0431\u0435\u0441\u043f\u043e\u043b\u0435\u0437\u043d\u044b\u0435.\r\n\r\n\u0414\u0435\u043b\u043e \u0432 \u0442\u043e\u043c, \u0447\u0442\u043e \u043a\u0430\u043a \u0442\u043e\u043b\u044c\u043a\u043e \u0432\u044b \u0432\u043e\u0437\u044c\u043c\u0435\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0443 \u0432 \u0431\u0430\u043d\u043a\u0435, \u0442\u043e \u043d\u0435 \u0441\u043c\u043e\u0436\u0435\u0442\u0435 \u0431\u043e\u043b\u044c\u0448\u0435 \u0432\u0437\u044f\u0442\u044c \u0432 \u044d\u0442\u043e\u043c \u0431\u0430\u043d\u043a\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043a\u0443 \u0441 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u043c\u0438 \u043c\u0438\u043b\u044f\u043c\u0438, \u043f\u043e\u0442\u043e\u043c\u0443 \u0447\u0442\u043e \u043e\u0434\u043d\u043e \u0438\u0437 \u0443\u0441\u043b\u043e\u0432\u0438\u0439, \u0432\u044b \u043d\u0435 \u043f\u043e\u043b\u0443\u0447\u0430\u043b\u0438 \u0434\u043e \u044d\u0442\u043e\u0433\u043e \u043a\u0430\u0440\u0442\u0443 \u0438\u0445 \u0431\u0430\u043d\u043a\u0430.\r\n\r\n\u0414\u0430\u0436\u0435 \u0435\u0441\u043b\u0438 \u0431\u0430\u043d\u043a \u043d\u0435\u0438\u0437\u0432\u0435\u0441\u0442\u0435\u043d, \u0442\u043e \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u0435\u0442 \u0434\u0440\u0443\u0433\u043e\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0435, \u043c\u0430\u043a\u0441\u0438\u043c\u0443\u043c \u043e\u0442\u043a\u0440\u044b\u0442\u044b\u0445 5 \u043a\u0430\u0440\u0442 \u0437\u0430\u00a0 24 \u043c\u0435\u0441\u044f\u0446\u0430.\r\n\r\n\u0427\u0435\u0440\u0435\u0437 6 \u043c\u0435\u0441\u044f\u0446\u0435\u0432 \u043a\u0430\u043a \u0432\u044b \u043e\u0442\u043a\u0440\u044b\u043b\u0438 \u0441\u0432\u043e\u044e \u043f\u0435\u0440\u0432\u0443\u044e Secure \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u043a\u0430\u0440\u0442\u0443, \u0443 \u0432\u0430\u0441 \u043f\u043e\u044f\u0432\u0438\u043b\u0441\u044f Credit Score, \u0412\u044b \u0443\u0436\u0435 \u043c\u043e\u0436\u0435\u0442\u0435 \u043f\u043e\u0434\u0430\u0432\u0430\u0442\u044c\u0441\u044f \u043d\u0430 \u0441\u0432\u043e\u044e \u043f\u0435\u0440\u0432\u0443\u044e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u043a\u0430\u0440\u0442\u0443 \u0441 \u0431\u043e\u043d\u0443\u0441\u0430\u043c\u0438 \u0432 \u0432\u0438\u0434\u0435 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0445 \u043c\u0438\u043b\u044c.\r\n\r\n\u041d\u043e \u0436\u0435\u043b\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0438\u0437 \u043e\u043f\u044b\u0442\u0430 \u0431\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u0430 \u043f\u043e\u0434\u0430\u0432\u0430\u0442\u044c\u0441\u044f \u043d\u0430 9 \u043c\u0435\u0441\u044f\u0446.\r\n\r\n\u041f\u043e\u0434\u0430\u0432\u0430\u0442\u044c\u0441\u044f \u043b\u0443\u0447\u0448\u0435 \u0432\u0441\u0435\u0433\u043e \u043d\u0430 \u0441\u0430\u0439\u0442\u0435 \u0447\u0435\u0440\u0435\u0437 Pre qualified, \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u0430\u044f \u0448\u0442\u0443\u043a\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0434\u044b, \u043a\u043e\u0433\u0434\u0430 \u0432\u044b \u043f\u043e\u0434\u0430\u0435\u0442\u0435 \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u0443\u044e \u0437\u0430\u044f\u0432\u043a\u0443 \u0438 \u0435\u0441\u043b\u0438 \u043a\u0430\u0440\u0442\u0443 \u043d\u0435 \u043e\u0434\u043e\u0431\u0440\u044f\u0442, \u0442\u043e \u0431\u0430\u043b\u044b \u043e\u0442 \u0432\u0430\u0448\u0435\u0433\u043e \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0435\u0439\u0442\u0438\u043d\u0433\u0430 \u043d\u0435 \u043e\u0442\u043d\u0438\u043c\u0430\u044e\u0442\u0441\u044f.\r\n\r\n&nbsp;\r\n<h4>\u0427\u0442\u043e \u0442\u0430\u043a\u043e\u0435 \u041c\u0438\u043b\u0438 (\u0438\u043b\u0438 \u043f\u043e\u0438\u043d\u0442\u044b) \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043a\u0430\u0440\u0442\u0430\u0445.<\/h4>\r\n\u0413\u0440\u0443\u0431\u043e \u0433\u043e\u0432\u043e\u0440\u044f \u044d\u0442\u043e \u0442\u0435 \u0436\u0435 \u0434\u043e\u043b\u043b\u0430\u0440\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0432\u044b\u0433\u043e\u0434\u043d\u0435\u0439 \u0432\u0441\u0435\u0433\u043e \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c \u043d\u0430 \u0431\u0438\u043b\u0435\u0442\u044b \u043d\u0430 \u0441\u0430\u043c\u043e\u043b\u0435\u0442.\r\n\r\n\u0412 \u0441\u0440\u0435\u0434\u043d\u0435\u043c 1 \u043c\u0438\u043b\u044f = 1 &#8211; 1,2 $\r\n\r\n<strong>\u041f\u0440\u0438\u043c\u0435\u0440:<\/strong>\r\n\r\n70 \u0442\u044b\u0441. \u043c\u0438\u043b\u044c = 700-840$\r\n\r\n\u041f\u0440\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u0438, \u0435\u0441\u043b\u0438 \u0431\u0440\u0430\u0442\u044c \u0431\u0438\u043b\u0435\u0442\u044b \u0437\u0430\u0440\u0430\u043d\u0435\u0435, \u0442\u043e \u0431\u0438\u043b\u0435\u0442 \u043d\u0430 \u0441\u0430\u043c\u043e\u043b\u0435\u0442\u0435 \u043f\u043e \u0410\u043c\u0435\u0440\u0438\u043a\u0435 \u0442\u0443\u0434\u0430-\u043e\u0431\u0440\u0430\u0442\u043d\u043e \u0431\u0443\u0434\u0435\u0442 \u0441\u0442\u043e\u0438\u0442\u044c \u043f\u0440\u0438\u0431\u043b\u0438\u0437\u0438\u0442\u0435\u043b\u044c\u043d\u043e 180$.\r\n\u0410 \u044d\u0442\u043e \u0437\u043d\u0430\u0447\u0438\u0442, \u043e\u0442\u043a\u0440\u044b\u0432 \u043a\u0430\u0440\u0442\u0443 \u0441 70 \u0442\u044b\u0441. \u043c\u0438\u043b\u044f\u043c\u0438 700$ \u043c\u043e\u0436\u043d\u043e \u0441\u043b\u0435\u0442\u0430\u0442\u044c \u0434\u043e 4 \u0440\u0430\u0437 \u0432 \u0440\u0430\u0437\u043d\u044b\u0435 \u0433\u043e\u0440\u043e\u0434\u0430 \u0421\u0428\u0410 \u0434\u0430\u0436\u0435 \u0434\u043b\u0438\u043d\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u043b\u0435\u0442\u044b \u041b\u043e\u0441-\u0410\u043d\u0434\u0436\u0435\u043b\u0435\u0441 &#8211; \u041c\u0430\u0439\u0430\u043c\u0438.\r\n\r\n&nbsp;\r\n\r\n1. \u041f\u0435\u0440\u0432\u0443\u044e \u043a\u0430\u0440\u0442\u0443 \u043b\u0443\u0447\u0448\u0435 \u043f\u043e\u043b\u0443\u0447\u0430\u0442\u044c <a href=\"https:\/\/americanexpress.com\/en-us\/referral\/delta-skymiles-gold-american-express-card?ref=IGORS377g&amp;xl=cp01\" target=\"_blank\" rel=\"noopener\">Delta SkyMiles\u00ae Gold Amex (American Express)<\/a>\r\n<ul>\r\n \t<li>\u0414\u0430\u044e\u0442 60-80 \u0442\u044b\u0441. \u043c\u0438\u043b\u044c. (\u043d\u0430 \u0440\u0430\u0437\u043d\u044b\u0445 \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\u0445 \u0438 \u0432 \u0440\u0430\u0437\u043d\u044b\u0435 \u0434\u043d\u0438 \u0434\u0430\u044e\u0442 \u0440\u0430\u0437\u043d\u043e\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e, \u043f\u0435\u0440\u0438\u043e\u0434\u0438\u0447\u0435\u0441\u043a\u0438 \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u044c\u0442\u0435, \u044f \u043f\u043e\u043b\u0443\u0447\u0438\u043b 75K \u043c\u0438\u043b\u044c 26 \u0434\u0435\u043a\u0430\u0431\u0440\u044f 2022)<\/li>\r\n \t<li>\u0414\u0430\u044e\u0442 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u0443\u044e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443 \u0434\u043b\u044f \u0430\u0440\u0435\u043d\u0434\u044b \u0430\u0432\u0442\u043e (Car Rental Loss &amp; Damage Insurance), \u0430 \u0437\u043d\u0430\u0447\u0438\u0442 \u043d\u0435 \u043d\u0430\u0434\u043e \u0434\u043e\u043f\u043b\u0430\u0447\u0438\u0432\u0430\u0442\u044c<\/li>\r\n \t<li>\u041f\u0435\u0440\u0432\u044b\u0439 \u0433\u043e\u0434 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e, \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0439 100$ \u0432 \u0433\u043e\u0434.<\/li>\r\n \t<li>\u041d\u0430\u0434\u043e \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c \u0432\u0441\u0435\u0433\u043e 2 \u0442\u044b\u0441. $ \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0438 6 \u043c\u0435\u0441\u044f\u0446\u0435\u0432 (\u0430 \u043d\u0435 \u043a\u0430\u043a \u0432 \u0434\u0440\u0443\u0433\u0438\u0445 \u043a\u0430\u0440\u0442\u0430\u0445 \u0437\u0430 3), \u0447\u0442\u043e \u0431\u044b \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0431\u043e\u043d\u0443\u0441.<\/li>\r\n<\/ul>\r\n&nbsp;\r\n\r\n2. \u0412\u0442\u043e\u0440\u0443\u044e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443\u044e \u043a\u0430\u0440\u0442\u0443 <a href=\"https:\/\/www.citi.com\/credit-cards\/compare\/rewards-credit-cards\/?utm_source=visakrokit.com\" target=\"_blank\" rel=\"noopener\">Citi Premier\u00ae Card<\/a>\r\n<ul>\r\n \t<li>\u0414\u0430\u044e\u0442 60-80 \u0442\u044b\u0441. \u043c\u0438\u043b\u044c. (\u043d\u0430 \u0440\u0430\u0437\u043d\u044b\u0445 \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\u0445 \u0438 \u0432 \u0440\u0430\u0437\u043d\u044b\u0435 \u0434\u043d\u0438 \u0434\u0430\u044e\u0442 \u0440\u0430\u0437\u043d\u043e\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e, \u043f\u0435\u0440\u0438\u043e\u0434\u0438\u0447\u0435\u0441\u043a\u0438 \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u044c\u0442\u0435, \u044f \u043f\u043e\u043b\u0443\u0447\u0438\u043b 80K \u043c\u0438\u043b\u044c 5 \u044f\u043d\u0432\u0430\u0440\u044f 2023)<\/li>\r\n \t<li>\u0410\u0431\u043e\u043d\u0435\u043d\u0442\u0441\u043a\u0430\u044f 100$ \u0432 \u0433\u043e\u0434<\/li>\r\n \t<li>\u041d\u0430\u0434\u043e \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c 4 \u0442\u044b\u0441. $ \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0438 3 \u043c\u0435\u0441\u044f\u0446\u0435\u0432, \u0447\u0442\u043e \u0431\u044b \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0435 \u043c\u0438\u043b\u0438.<\/li>\r\n<\/ul>\r\n&nbsp;\r\n\r\n3. \u0422\u0440\u0435\u0442\u044c\u044e Credit card <a href=\"https:\/\/www.referyourchasecard.com\/19t\/OQAEZ7RRB5\" target=\"_blank\" rel=\"noopener\">Chase Sapphire preferred<\/a>\r\n<ul>\r\n \t<li>\u0414\u0430\u044e\u0442 60-80 \u0442\u044b\u0441. \u043c\u0438\u043b\u044c. (\u043d\u0430 \u0440\u0430\u0437\u043d\u044b\u0445 \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\u0445 \u0438 \u0432 \u0440\u0430\u0437\u043d\u044b\u0435 \u0434\u043d\u0438 \u0434\u0430\u044e\u0442 \u0440\u0430\u0437\u043d\u043e\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e, \u043f\u0435\u0440\u0438\u043e\u0434\u0438\u0447\u0435\u0441\u043a\u0438 \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u044c\u0442\u0435, \u044f \u043f\u043e\u043b\u0443\u0447\u0438\u043b 80K \u043c\u0438\u043b\u044c 11 \u043c\u0430\u0440\u0442\u0430 2023)<\/li>\r\n \t<li>\u0414\u0430\u044e\u0442 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u0443\u044e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043a\u0443 \u043d\u0430 \u0430\u0440\u0435\u043d\u0434\u043e\u0432\u0430\u043d\u043d\u0443\u044e \u0430\u0432\u0442\u043e (Auto Rental Collision Damage). \u0418 \u0435\u0449\u0435 \u043c\u043d\u043e\u0433\u043e \u0440\u0430\u0437\u043d\u044b\u0445 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043a \u0434\u043b\u044f \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0439.<\/li>\r\n \t<li>\u0410\u0431\u043e\u043d\u0435\u043d\u0442\u0441\u043a\u0430\u044f 100$ \u0432 \u0433\u043e\u0434<\/li>\r\n \t<li>\u041d\u0430\u0434\u043e \u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c 4 \u0442\u044b\u0441. $ \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0438 3 \u043c\u0435\u0441\u044f\u0446\u0435\u0432, \u0447\u0442\u043e \u0431\u044b \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b\u0435 \u043c\u0438\u043b\u0438.<\/li>\r\n<\/ul>\r\n[\/vc_column_text][vc_column_text css=&#8221;&#8221;]4.\u7b2c\u56db\u79cd<a href=\"https:\/\/i.capitalone.com\/GqfhsnWFZ\" target=\"_blank\" rel=\"noopener\">Capital One Venture<\/a>\u7c7b\u4f3c\u4e8e\u5927\u901a\u84dd\u5b9d\u77f3\u4f18\u5148\u5361\uff0c\u4e00\u5f00\u59cb\u5f88\u96be\u83b7\u5f97\u3002\r\n<ul>\r\n \t<li>\u4ed6\u4eec\u7ed9\u51fa\u7684\u91cc\u7a0b\u6570\u4e3a 50-75k \u82f1\u91cc\u3002(\u4e0d\u540c\u9875\u9762\u548c\u65e5\u671f\u7684\u91cc\u7a0b\u6570\u4e0d\u540c\uff0c\u8bf7\u5b9a\u671f\u76d1\u6d4b\uff0c\u6211\u5728 2023 \u5e74 10 \u6708 25 \u65e5\u83b7\u5f97\u4e86 75K \u82f1\u91cc\u7684\u91cc\u7a0b\u6570\uff09\u3002 <\/li>\r\n \t<li>\u8ba2\u9605\u8d39\u6bcf\u5e74 95 \u7f8e\u5143<\/li>\r\n \t<li>\u60a8\u5fc5\u987b\u5728 3 \u4e2a\u6708\u5185\u6d88\u8d39 4000 \u7f8e\u5143\u624d\u80fd\u83b7\u5f97\u514d\u8d39\u91cc\u7a0b\u3002<\/li>\r\n<\/ul>\r\n\u6211\u4eec\u5df2\u7ecf\u77e5\u9053\uff0c\u5982\u679c\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\u5c11\u4e8e 1 \u5e74\u96f6 9 \u4e2a\u6708\uff08\u5e73\u5747 9 \u4e2a\u6708\uff09\uff0c\u4ed6\u4eec\u5c31\u4e0d\u4f1a\u6279\u51c6\u4f60\u7684\u4fe1\u7528\u5361\uff0c\u4ed6\u4eec\u4f1a\u770b\u4f60\u7684\u4fe1\u7528\u8bb0\u5f55\uff0c\u8fd9\u4e00\u70b9\u4e0e\u5176\u4ed6\u4eba\u4e0d\u540c\u3002\r\n\r\n\u5f53\u6709\u6b63\u597d\u4e24\u5e74\u7684\u4fe1\u7528\u8bb0\u5f55\u65f6\uff0c\u83b7\u5f97\u4e86\u6279\u51c6\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/div>","protected":false},"excerpt":{"rendered":"[vc_row pix_particles_check=&#8221;&#038;#822&#8230;","protected":false},"author":1,"featured_media":11525,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[127],"tags":[],"class_list":["post-11523","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wei-fen-lei-zh-hans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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content=\"\u9010\u6b65\u6307\u5bfc\u60a8\u5982\u4f55\u5efa\u7acb\u9ad8\u4fe1\u7528\u8bc4\u5206\u5e76\u83b7\u5f97\u5e26\u6709\u514d\u8d39\u91cc\u7a0b\u7684\u4fe1\u7528\u5361\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/visakrokit.com\/zh-hans\/mei-guo-xin-yong-ka-%e3%80%81-xin-yong-ping-fen-%e3%80%81-mian-fei-li-cheng\/\" \/>\n<meta property=\"og:site_name\" content=\"\u7f8e\u56fd\u7b7e\u8bc1\u548c\u7eff\u5361 VisaKrokit\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-25T05:17:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-22T06:41:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/visakrokit.com\/wp-content\/uploads\/education_themes.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1221\" \/>\n\t<meta property=\"og:image:height\" content=\"881\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u041c\u0430\u0440\u0438\u043d\u0430 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