【美国生活资讯】美国信用卡的陷阱,秦氏美国矽谷地产微信公众号文章

1: 对于credit card company bait and switch，不兑现bonus的行为要存下证据包括你收到的mail, email, print sign up page.

2: 仔细找up to。。。which means you will never get that...:-(

3: Preapproved invitation = advertising (广告效应）that doesn't guarrantee you get the card. please don't be fooled by "pre-approved" letter from Bank.

4: 仔细阅读term里面的小字，Trick往往在里面。

5: 留心信用卡发来的term change notice，现在很多卡都频繁的转换reward program 可以将不用的卡convert成该公司新推出的有比较好的reward卡。

I) AMEX
Trick : financial review, 关卡，降cl。最近比较频繁，大家多注意
http://mitbbs.com/article/Money/31334821_3.html

II) BOA
Trick :
1. bait and switch on bill pay($25, $35), b&s on openning bonus

2. checking account 突然收取月费
http://mitbbs.com/article/Money/31339019_3.html

3. 部分credit card 开始征收年费
http://mitbbs.com/article/Money/31335605_3.html

4. bait and switch on addit up cashback
这种online purchase的cashback, 大都不靠谱。除了fatcash以外，可靠性来说，Chase稍微好点，Discover,Boa是差不多一个水平。大名鼎鼎的微软的bing更差劲。(By Ameritrade )

III) Capital one
Trick : 超低credit line ，

Trcicky兑换汇率。(有争议)

IV) Chase
Trick
1. 突然关卡，降 credit line，尤其是账户里有大量reward points
最近比较频繁。大家多注意
http://mitbbs.com/article/Money/31340257_3.html

http://mitbbs.com/article/Money/31333373_3.html

http://mitbbs.com/article/Money/31306465_3.html

2. CD 转存高额罚款
http://mitbbs.com/article/Money/31336227_3.html

3 bait and switch on bonus
http://mitbbs.com/article/Money/31333399_3.html

4 改变兑换bonus条款
http://mitbbs.com/article/Money/31306443_3.html

V) Citi
Trick
1) 贬值thank you points
很多好的兑换项目都消失了，例如 fix Points flight ticket.
现最好的reward Program就是一万点兑换100块gc。。

2) 一些referral bonus不给，必须打电话或者写信。

3) 突降cl
http://mitbbs.com/article/Money/31253743_3.html

4) 0% intro-apr upto trick
http://www.fatwallet.com/forums/finance/945236

VI) Discover
1 申请要求绿卡时要时不要，看运气。比其他公司严得多

2 bait and switch on application bonus
Discover耍赖不给open bonus是老生常谈的问题了，而且由于他家需要用输code这种比
较间接的方式也给他耍赖提供了便利，给取证增加了难度。

(by daye520)
http://mitbbs.com/article/Money/31340071_3.html

3 给新生超低credit line而且很难升credit line, typical $250 cl

4 每个季度可以注册5% bonus( yes, you must regiter on their website and the rewarrds categories vary from season to season)，但是$20 bonus封顶。(the $400 limit is for purchase amount)
http://mitbbs.com/article/Money/31253354_3.html

5 突然关卡(偶尔见到，但是不得不防，最近amex，chase比较频繁)
http://mitbbs.com/article/Money/31243330_3.html

6 bait and switch on shop discover
http://mitbbs.com/article/Money/31306365_3.html

7 the reward is not 1% straight, from 0 to $3000 spending, the reward is only 0.25%

VII) HSBC(household)有一些卡（比如orchard HSBC），会电邮一些人，给好卡的pre-approved offer, 申请了之后发现是没cb，有很高年费的烂卡 (by zackbupt）household卡服务非常差.dispute很难.