{"topic":{"id":13113,"title":"办理外汇卡","slug":"topic","categoryId":4,"createdAt":"2024-07-23 09:27:54.757213","bumpedAt":"2024-10-11 13:42:24.257169","views":289,"postsCount":35,"highestPostNumber":35,"likeCount":11,"closed":false,"pinned":false,"pinnedGlobally":false,"pinnedAt":null,"pinnedUntil":null,"isBanner":false,"excerpt":"人在广州，为了网购想办一张 Visa 或者万事通卡目前已知三种方案：中行长城跨境通借记卡工行星座信用卡香港预付卡据说中行的卡不太好用而且要购汇至于工行的是信用卡，本人平时被家长教育不能碰这些，花呗、白条都未开通预付卡不知道安不安全不过本人网购频率不是很高，求各位老哥指点","deletedAt":null,"isAnonymous":false,"category":{"id":4,"name":"谈笑风生","slug":"general","color":"25AAE2"},"author":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif"},"tags":[]},"posts":[{"id":37708,"postNumber":1,"raw":"人在广州，为了网购想办一张 Visa 或者万事通卡\n目前已知三种方案：\n- 中行长城跨境通借记卡\n- 工行星座信用卡\n- 香港预付卡\n\n据说中行的卡不太好用而且要购汇\n至于工行的是信用卡，本人平时被家长教育不能碰这些，花呗、白条都未开通\n预付卡不知道安不安全\n\n不过本人网购频率不是很高，求各位老哥指点","cooked":"

人在广州，为了网购想办一张 Visa 或者万事通卡
\n目前已知三种方案：

中行长城跨境通借记卡
工行星座信用卡
香港预付卡

据说中行的卡不太好用而且要购汇
\n至于工行的是信用卡，本人平时被家长教育不能碰这些，花呗、白条都未开通
\n预付卡不知道安不安全

不过本人网购频率不是很高，求各位老哥指点

\n","createdAt":"2024-07-23 09:27:54.899581","updatedAt":"2024-07-23 14:55:38.036752","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":133,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":2590,"username":"Ocular","name":null}],"hasReacted":false}],"wiki":false,"version":2,"publicVersion":2,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37709,"postNumber":2,"raw":"购汇很麻烦，每次要看很久的协议，以及外汇无法跨行转账所以真要办国内的卡也只建议持有一张，否则你会获得一堆零碎的外汇余额。汇率其实是工商银行最好。\n\n国内信用卡不会给你任何额度，没有透支的机会。但其实将资产放在储蓄账户中做理财、使用信用账户消费是健康的消费方式。当然也有很多人自我管控力差，把卡刷爆了还不上来。\n\n香港便利店就能买到很多 visa/mastercard 礼品卡，部分线上渠道不接受。国内 0 额度信用卡也有机会被认定为预付卡。","cooked":"

购汇很麻烦，每次要看很久的协议，以及外汇无法跨行转账所以真要办国内的卡也只建议持有一张，否则你会获得一堆零碎的外汇余额。汇率其实是工商银行最好。

国内信用卡不会给你任何额度，没有透支的机会。但其实将资产放在储蓄账户中做理财、使用信用账户消费是健康的消费方式。当然也有很多人自我管控力差，把卡刷爆了还不上来。

香港便利店就能买到很多 visa/mastercard 礼品卡，部分线上渠道不接受。国内 0 额度信用卡也有机会被认定为预付卡。

\n","createdAt":"2024-07-23 10:14:31.527731","updatedAt":"2024-10-25 11:21:43.312232","replyToPostNumber":null,"replyCount":1,"likeCount":0,"wordCount":198,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37710,"postNumber":3,"raw":"那这么看零额度的工行星座卡确实是一个不错的选择🤓","cooked":"

那这么看零额度的工行星座卡确实是一个不错的选择🤓

\n","createdAt":"2024-07-23 10:21:02.411407","updatedAt":"2024-07-23 10:21:02.411407","replyToPostNumber":2,"replyCount":1,"likeCount":0,"wordCount":24,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37711,"postNumber":4,"raw":"零额度我还想骂他呢，看不起研究生工资啊😡\n虽然我也看不起🥺","cooked":"

零额度我还想骂他呢，看不起研究生工资啊😡
\n虽然我也看不起🥺

\n","createdAt":"2024-07-23 11:07:51.063676","updatedAt":"2024-07-23 11:09:16.334704","replyToPostNumber":3,"replyCount":1,"likeCount":1,"wordCount":28,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":346,"username":"hoist","name":null,"avatarUrl":"/uploads/image/0d/cd/0dcdf69d213b6798002779ad4b729567cd4d889ee4a56c07a8c4454e8b563219.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37712,"postNumber":5,"raw":"哈哈哈哈哈🤣\n不过我在长沙分行的朋友提醒我信用卡这些东西还是别碰刷爆了就真的无底洞🥹","cooked":"

哈哈哈哈哈🤣
\n不过我在长沙分行的朋友提醒我信用卡这些东西还是别碰刷爆了就真的无底洞🥹

\n","createdAt":"2024-07-23 11:21:13.741512","updatedAt":"2024-07-23 11:21:13.741512","replyToPostNumber":4,"replyCount":1,"likeCount":0,"wordCount":41,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37713,"postNumber":6,"raw":"我肯定会用的。对自己控制杠杆的能力有信心。做好风险控制，信用卡就是一个 0 息的货币借款工具。","cooked":"

我肯定会用的。对自己控制杠杆的能力有信心。做好风险控制，信用卡就是一个 0 息的货币借款工具。

\n","createdAt":"2024-07-23 11:30:13.99365","updatedAt":"2024-07-23 11:30:13.99365","replyToPostNumber":5,"replyCount":1,"likeCount":2,"wordCount":45,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":299,"username":"sola","name":null}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":346,"username":"hoist","name":null,"avatarUrl":"/uploads/image/0d/cd/0dcdf69d213b6798002779ad4b729567cd4d889ee4a56c07a8c4454e8b563219.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37714,"postNumber":7,"raw":"可以办虚拟的","cooked":"

可以办虚拟的

\n","createdAt":"2024-07-23 11:53:42.949371","updatedAt":"2024-07-23 11:53:42.949371","replyToPostNumber":null,"replyCount":1,"likeCount":0,"wordCount":6,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5076,"username":"Miao1","name":"Miao","avatarUrl":"/uploads/image/6c/f8/6cf8a5264533ff85763d6c483074de34e65affca376234dfc886f767d4d093c9.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37719,"postNumber":8,"raw":"来香港开汇丰","cooked":"

来香港开汇丰

\n","createdAt":"2024-07-23 12:54:03.1939","updatedAt":"2024-07-23 12:54:03.1939","replyToPostNumber":null,"replyCount":2,"likeCount":0,"wordCount":6,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":175,"username":"argmin","name":null,"avatarUrl":null,"admin":true,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37720,"postNumber":9,"raw":"香港还有 za bank 可以到香港后线上开户","cooked":"

香港还有 za bank 可以到香港后线上开户

\n","createdAt":"2024-07-23 12:55:05.65779","updatedAt":"2024-07-23 12:55:05.65779","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":16,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":175,"username":"argmin","name":null,"avatarUrl":null,"admin":true,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37721,"postNumber":10,"raw":"想去很久了，还是太穷","cooked":"

想去很久了，还是太穷

\n","createdAt":"2024-07-23 13:03:28.629783","updatedAt":"2024-07-23 13:03:28.629783","replyToPostNumber":8,"replyCount":0,"likeCount":0,"wordCount":10,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":178,"username":"Hypocrisy","name":"rotartsinimdA","avatarUrl":"/uploads/image/ce/f3/cef3773e378e161524cc7523c8a63dff0698d22802b0c1ab669894d395ee36a3.avif","admin":false,"moderator":true,"signatureRaw":null,"signatureCooked":null}},{"id":37722,"postNumber":11,"raw":"没办成通行证啊😭\n不然铁定去香港办了","cooked":"

没办成通行证啊😭
\n不然铁定去香港办了

\n","createdAt":"2024-07-23 13:13:04.64247","updatedAt":"2024-07-23 13:13:04.64247","replyToPostNumber":8,"replyCount":1,"likeCount":0,"wordCount":17,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37723,"postNumber":12,"raw":"确实\n不过我家里有过长辈刷爆信用卡几家信用卡互相刷的黑历史\n导致我现在有点怕这些东西😋","cooked":"

确实
\n不过我家里有过长辈刷爆信用卡几家信用卡互相刷的黑历史
\n导致我现在有点怕这些东西😋

\n","createdAt":"2024-07-23 13:14:59.867837","updatedAt":"2024-07-23 13:14:59.867837","replyToPostNumber":6,"replyCount":0,"likeCount":2,"wordCount":41,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":346,"username":"hoist","name":null}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37724,"postNumber":13,"raw":"之前为了买 Apple Watch 借过白条😆\n只能说这种东西用起来嘎嘎爽但是很容易消费过度觉得每一期还的钱不多但其实还起来还是很有压力的\n后来还完就主动注销了也没有再注册\n自己在网上查征信是查不到的🤔","cooked":"

之前为了买 Apple Watch 借过白条😆
\n只能说这种东西用起来嘎嘎爽但是很容易消费过度觉得每一期还的钱不多但其实还起来还是很有压力的
\n后来还完就主动注销了也没有再注册
\n自己在网上查征信是查不到的🤔

\n","createdAt":"2024-07-23 13:21:22.998493","updatedAt":"2024-07-23 13:21:22.998493","replyToPostNumber":null,"replyCount":1,"likeCount":0,"wordCount":87,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37725,"postNumber":14,"raw":"通行证不是随便办","cooked":"

通行证不是随便办

\n","createdAt":"2024-07-23 13:45:53.874696","updatedAt":"2024-10-25 11:21:43.541343","replyToPostNumber":11,"replyCount":1,"likeCount":0,"wordCount":8,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37726,"postNumber":15,"raw":"这么想想借贷的诱惑力还挺大的。\n\n我的信用额度只有花呗给的 600 块，就是觉得花钱不从自己的账上扣款的感觉很爽 :grinning_face_with_big_eyes:","cooked":"

这么想想借贷的诱惑力还挺大的。

我的信用额度只有花呗给的 600 块，就是觉得花钱不从自己的账上扣款的感觉很爽 😃

\n","createdAt":"2024-07-23 13:49:27.890373","updatedAt":"2024-10-25 11:21:43.694634","replyToPostNumber":13,"replyCount":1,"likeCount":0,"wordCount":51,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37727,"postNumber":16,"raw":"我其实不是西交的👆🤓 在北京某大专读书\n然后去出入境管理局办他叫我找辅导员签字但是辅导员和我说要去找学院主管签字我就不愿意了觉得麻烦😡\n等回到户籍地办吧","cooked":"

我其实不是西交的👆🤓 在北京某大专读书
\n然后去出入境管理局办他叫我找辅导员签字但是辅导员和我说要去找学院主管签字我就不愿意了觉得麻烦😡
\n等回到户籍地办吧

\n","createdAt":"2024-07-23 13:58:37.594931","updatedAt":"2024-07-23 13:58:37.594931","replyToPostNumber":14,"replyCount":1,"likeCount":0,"wordCount":72,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37728,"postNumber":17,"raw":"🤣不花自己的钱还是有种不踏实感","cooked":"

🤣不花自己的钱还是有种不踏实感

\n","createdAt":"2024-07-23 13:59:02.964592","updatedAt":"2024-07-23 13:59:02.964592","replyToPostNumber":15,"replyCount":1,"likeCount":0,"wordCount":15,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37729,"postNumber":18,"raw":"其实花银行的钱才踏实。比如你的卡被盗刷了，如果用的是信用卡，那你就可以和银行 dispute 说这笔钱不是你花的，然后就不用还这笔款了，让银行承受损失；如果用的是储蓄卡，那你钱划出去了没了就没了。","cooked":"

其实花银行的钱才踏实。比如你的卡被盗刷了，如果用的是信用卡，那你就可以和银行 dispute 说这笔钱不是你花的，然后就不用还这笔款了，让银行承受损失；如果用的是储蓄卡，那你钱划出去了没了就没了。

\n","createdAt":"2024-07-23 14:25:57.151273","updatedAt":"2024-10-25 11:21:43.863242","replyToPostNumber":17,"replyCount":1,"likeCount":1,"wordCount":90,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":175,"username":"argmin","name":null}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37730,"postNumber":19,"raw":"换个出入境管理局就行；以及现在全国通办了，去户籍地也只是能快点","cooked":"

换个出入境管理局就行；以及现在全国通办了，去户籍地也只是能快点

\n","createdAt":"2024-07-23 14:27:00.767914","updatedAt":"2024-07-23 14:27:00.767914","replyToPostNumber":16,"replyCount":1,"likeCount":0,"wordCount":31,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":175,"username":"argmin","name":null,"avatarUrl":null,"admin":true,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37731,"postNumber":20,"raw":"还有这种操作嘛！\n我一直以为信用卡盗刷自己负责","cooked":"

还有这种操作嘛！
\n我一直以为信用卡盗刷自己负责

\n","createdAt":"2024-07-23 14:38:57.211662","updatedAt":"2024-07-23 14:38:57.211662","replyToPostNumber":18,"replyCount":1,"likeCount":0,"wordCount":22,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37732,"postNumber":21,"raw":"不过信贷确实要自我控制。信用额度大于你的偿还能力的时候就要小心了\n\n最好的情况大概是平时保持健康的消费习惯，不管额度多少都按照自己的真实能力来花钱。\n\n但是银行会推出各种各样的活动来刺激你多花钱，然后你真花多了还不上来的时候他们又用各种手段轰炸、折磨你 😄\n\n如果能做薅资本家羊毛的同时又不落入他们圈套的聪明人，应该不错","cooked":"

不过信贷确实要自我控制。信用额度大于你的偿还能力的时候就要小心了

最好的情况大概是平时保持健康的消费习惯，不管额度多少都按照自己的真实能力来花钱。

但是银行会推出各种各样的活动来刺激你多花钱，然后你真花多了还不上来的时候他们又用各种手段轰炸、折磨你 😄

如果能做薅资本家羊毛的同时又不落入他们圈套的聪明人，应该不错

\n","createdAt":"2024-07-23 14:40:01.792659","updatedAt":"2024-10-25 11:21:44.114066","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":153,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":2,"publicVersion":2,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37733,"postNumber":22,"raw":"全国通办这个我知道🥺\n不过我户籍地不在百京出入境要学校审批\n不然就只能办集体通行证（但是没得人和我一起去🫠","cooked":"

全国通办这个我知道🥺
\n不过我户籍地不在百京出入境要学校审批
\n不然就只能办集体通行证（但是没得人和我一起去🫠

\n","createdAt":"2024-07-23 14:42:23.767525","updatedAt":"2024-07-23 14:42:23.767525","replyToPostNumber":19,"replyCount":2,"likeCount":1,"wordCount":51,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":346,"username":"hoist","name":null}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37734,"postNumber":23,"raw":"用卡消费只需要知道卡面上印刷的一些信息：名字、卡号、有效期、安全码就可以了，所以信用卡盗刷然后申诉也特别常见\n\n不过我自己本身并没有一张信用卡，只看到 HSBC 储蓄卡用户协议上写着盗刷要用户自己负责","cooked":"

用卡消费只需要知道卡面上印刷的一些信息：名字、卡号、有效期、安全码就可以了，所以信用卡盗刷然后申诉也特别常见

不过我自己本身并没有一张信用卡，只看到 HSBC 储蓄卡用户协议上写着盗刷要用户自己负责

\n","createdAt":"2024-07-23 14:49:43.809154","updatedAt":"2024-10-25 11:21:44.526074","replyToPostNumber":20,"replyCount":0,"likeCount":0,"wordCount":93,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37736,"postNumber":24,"raw":"你说的是团队旅游签注吧，没听说过集体通行证这种说法也从没听说过学生的旅游证件要学校审批的（难道这就是北京？）。实际上团队旅游和个人旅游签使用上没有任何区别","cooked":"

你说的是团队旅游签注吧，没听说过集体通行证这种说法也从没听说过学生的旅游证件要学校审批的（难道这就是北京？）。实际上团队旅游和个人旅游签使用上没有任何区别

\n","createdAt":"2024-07-23 14:55:35.598919","updatedAt":"2024-07-23 14:55:35.598919","replyToPostNumber":22,"replyCount":1,"likeCount":0,"wordCount":75,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":175,"username":"argmin","name":null,"avatarUrl":null,"admin":true,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37737,"postNumber":25,"raw":"正聊着金融消费呢，走在路上看到这个\n\n![IMG_9538|375x500](/uploads/image/b4/cd/b4cd26bfc27ad8d4498e624da53c1604e6e0d217f2d683d3ed30a1993df59ea7.avif)\n\n~~（莫非这也是大数据推送？）~~","cooked":"

正聊着金融消费呢，走在路上看到这个

$\"IMG_9538\"$

~~（莫非这也是大数据推送？）~~

\n","createdAt":"2024-07-23 14:58:20.848529","updatedAt":"2024-10-25 11:21:44.798227","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":30,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37738,"postNumber":26,"raw":"对对对\n好像是疫情之后才要求的🤔\n主要要盖的章太多了不过辅导员说如果我户籍转到学校会方便很多","cooked":"

对对对
\n好像是疫情之后才要求的🤔
\n主要要盖的章太多了不过辅导员说如果我户籍转到学校会方便很多

\n","createdAt":"2024-07-23 14:59:21.111653","updatedAt":"2024-07-23 14:59:21.111653","replyToPostNumber":24,"replyCount":0,"likeCount":0,"wordCount":44,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37740,"postNumber":27,"raw":"本来还疑惑你个人办理证件和学校、辅导员有什么关系。但一想，异地办理的话确实会要求居住证明/工作证明之类的，所以也能理解。","cooked":"

本来还疑惑你个人办理证件和学校、辅导员有什么关系。但一想，异地办理的话确实会要求居住证明/工作证明之类的，所以也能理解。

\n","createdAt":"2024-07-23 15:00:42.923815","updatedAt":"2024-10-25 11:21:45.389663","replyToPostNumber":22,"replyCount":1,"likeCount":0,"wordCount":60,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37742,"postNumber":28,"raw":"当时还要求提供学信网打印件加教务处公章查了下集体户口或者京籍确实不需要","cooked":"

当时还要求提供学信网打印件加教务处公章查了下集体户口或者京籍确实不需要

\n","createdAt":"2024-07-23 15:05:32.120562","updatedAt":"2024-07-23 15:05:32.120562","replyToPostNumber":27,"replyCount":0,"likeCount":0,"wordCount":35,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37752,"postNumber":29,"raw":"我猜无额度星座是外币信用卡里最好办的，而且也完全没有刷爆风险，约等于储蓄卡了，后面对理财有信心了似乎还可以提额 (不保真)。我在国内的卡就是这张，需要注意的是不是全币种 (之前去韩国就吃了亏)","cooked":"

我猜无额度星座是外币信用卡里最好办的，而且也完全没有刷爆风险，约等于储蓄卡了，后面对理财有信心了似乎还可以提额 (不保真)。我在国内的卡就是这张，需要注意的是不是全币种 (之前去韩国就吃了亏)

\n","createdAt":"2024-07-23 16:48:01.84065","updatedAt":"2024-07-23 16:48:01.84065","replyToPostNumber":null,"replyCount":1,"likeCount":2,"wordCount":93,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"👍️","count":1,"users":[{"id":1288,"username":"LittleWangInShanghai","name":"小王在上海"}],"hasReacted":false},{"reaction":"❤️","count":2,"users":[{"id":1288,"username":"LittleWangInShanghai","name":"小王在上海"},{"id":1835,"username":"Dusk","name":"夕大画家"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":601,"username":"m0rsun","name":null,"avatarUrl":"/uploads/image/37/7f/377f4ae853850691ab959270f01d52509ee07caf808041ddb0ab22488a0e9f85.avif","admin":false,"moderator":true,"signatureRaw":null,"signatureCooked":null}},{"id":37753,"postNumber":30,"raw":"有消息说招商银行在八月也要推出 master card 人民币/美元双币储蓄卡了，相比中信银行现有的，这个应该会好用一点。\n\n但是万事达没有像美国运通一样推出人民币单币卡有点可惜，不清楚原因。","cooked":"

有消息说招商银行在八月也要推出 master card 人民币/美元双币储蓄卡了，相比中信银行现有的，这个应该会好用一点。

但是万事达没有像美国运通一样推出人民币单币卡有点可惜，不清楚原因。

\n","createdAt":"2024-07-23 16:54:04.550469","updatedAt":"2024-10-25 11:21:46.003339","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":83,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37754,"postNumber":31,"raw":"是多币种，不知道有没有 KRW 账户，没有的话应该是会扣 USD 账户的款\n\n2021 年之前国内存在很多有额度的大学生信用卡，之后就几乎完全消失了。现在可能唯一可能有额度的就是 ICBC 星座卡，填一个还款保证书（第二还款源为父母）可能就能提额。但这个业务不知道还好不好办，疑似网点工作人员都不清楚。","cooked":"

是多币种，不知道有没有 KRW 账户，没有的话应该是会扣 USD 账户的款

2021 年之前国内存在很多有额度的大学生信用卡，之后就几乎完全消失了。现在可能唯一可能有额度的就是 ICBC 星座卡，填一个还款保证书（第二还款源为父母）可能就能提额。但这个业务不知道还好不好办，疑似网点工作人员都不清楚。

\n","createdAt":"2024-07-23 16:54:48.402197","updatedAt":"2024-10-25 11:21:46.303141","replyToPostNumber":29,"replyCount":0,"likeCount":0,"wordCount":132,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":6205,"username":"uika_winwing","name":null,"avatarUrl":"/uploads/image/76/3b/763b1e5ad8a424c4450bb26cea5ae532e7b1cd9da926ac5d99215d7123bf6002.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":37755,"postNumber":32,"raw":"虚拟的不太行之前开通 AWS 被拒绝了","cooked":"

虚拟的不太行之前开通 AWS 被拒绝了

\n","createdAt":"2024-07-23 16:59:46.588736","updatedAt":"2024-07-23 16:59:46.588736","replyToPostNumber":7,"replyCount":1,"likeCount":0,"wordCount":15,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":37766,"postNumber":33,"raw":"我也想搞一张去给 Patreon 充钱。","cooked":"

我也想搞一张去给 Patreon 充钱。

\n","createdAt":"2024-07-24 01:32:42.551991","updatedAt":"2024-07-24 01:32:42.551991","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":12,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1288,"username":"LittleWangInShanghai","name":"小王在上海","avatarUrl":"/uploads/image/63/d2/63d25f4f2f6693f9ab450f32bd8d04e2d29f96a980b51555a585423f113c4a58.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":41513,"postNumber":34,"raw":"![IMG_1136|375x500](/uploads/image/5a/45/5a45a65508ba6006e93a9d7f4f24e85281612f9430843a480d3298d7937289ec.avif)\nFinally，在北京办到了，之前去广州去下面的支行给我踢皮球，一直说没卡没卡，跑到广东省总行说可以办，但是要等 :hugging_face_dizzy_face: 但是我当时没几天就要回去了\n\n注意，这个卡是借记卡，就是储蓄卡，必须存钱才能用\n\n之后在 L 站看到有老哥申请的教程：https://linux.do/t/topic/173844\n\n具体来说：\n[quote]\n找一家最近的中国银行，柜台说办 visa 借记卡，由于柜员可能没办过，就直接把图片给他看，一般来说小分行都说没有卡，然后让你换行办，其实就是不想给你办。但是这时候不要怕，直接当他面打电话给中国银行 95566 投诉电话，直接贴脸开大。银行都怕投诉，我当时就不给办，然后打投诉才给调卡，我是周一去问的，周二给调卡，周三给办的，为了加快效率，一定要当面打投诉，就说银行不给办卡，不用说什么缺卡的事，让客服和大堂经理交涉。\n[/quote]\n\n但是我去的时候还好，那个大堂经理马上表示能办，业务相当熟练（可能是我在大学城？办卡留学的比较多？当然办的时候，问我办卡干嘛，我说去留学，然后她问我去哪个国家（感觉可能是 visa 在有些国家不好用，工作人员对我挺关注的 :joy_cat: 可能是我是学生？\n\n由于我之前没有中行的卡，顺带给我开了张一类卡，当然限额了，5000 一天（其实还好，我是穷鬼 :joy_cat:\n\n后来就从微信提现了 100 到一类卡，购了人生的第一笔汇，然后转入到 visa 卡中，晚上到时候给我的域名邮箱托管续了费，成功支付～","cooked":"

$\"IMG_1136\"$
\nFinally，在北京办到了，之前去广州去下面的支行给我踢皮球，一直说没卡没卡，跑到广东省总行说可以办，但是要等 $\":hugging_face_dizzy_face:\"$ 但是我当时没几天就要回去了

注意，这个卡是借记卡，就是储蓄卡，必须存钱才能用

之后在 L 站看到有老哥申请的教程：https://linux.do/t/topic/173844

具体来说：

\n\t\t\t\t

\n
找一家最近的中国银行，柜台说办 visa 借记卡，由于柜员可能没办过，就直接把图片给他看，一般来说小分行都说没有卡，然后让你换行办，其实就是不想给你办。但是这时候不要怕，直接当他面打电话给中国银行 95566 投诉电话，直接贴脸开大。银行都怕投诉，我当时就不给办，然后打投诉才给调卡，我是周一去问的，周二给调卡，周三给办的，为了加快效率，一定要当面打投诉，就说银行不给办卡，不用说什么缺卡的事，让客服和大堂经理交涉。
\n

\n\t\t\t

但是我去的时候还好，那个大堂经理马上表示能办，业务相当熟练（可能是我在大学城？办卡留学的比较多？当然办的时候，问我办卡干嘛，我说去留学，然后她问我去哪个国家（感觉可能是 visa 在有些国家不好用，工作人员对我挺关注的 😹 可能是我是学生？

由于我之前没有中行的卡，顺带给我开了张一类卡，当然限额了，5000 一天（其实还好，我是穷鬼 😹

后来就从微信提现了 100 到一类卡，购了人生的第一笔汇，然后转入到 visa 卡中，晚上到时候给我的域名邮箱托管续了费，成功支付～

\n","createdAt":"2024-10-11 13:35:57.205781","updatedAt":"2024-10-11 13:38:54.203832","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":520,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}},{"id":41514,"postNumber":35,"raw":"[quote=\"可樂不是真樂，post:32, topic:13113, full:true, username:Aicnal\"]\n虚拟的不太行之前开通 AWS 被拒绝了\n[/quote]\n\n虚拟的我用过 RedotPay，这个卡可以用来撸甲骨文（玩服务器的肯定知道 :hugging_face_dizzy_face:\n\n[spoiler] 但是这个卡属于预付卡，充值只能用 USDT，每次充值很麻烦，而且走币链要扣一刀的手续费 [/spoiler]\n\n一些需要保护隐私用来支付的场景用挺好，目前还没有碰到过拒付的情况","cooked":"

\n\t\t\t\t\t

\n\t\t\t\t\t\t

\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t可樂不是真樂，post:32, topic:13113, full:true, username:Aicnal:\n\t\t\t\t\t\t

\n\t\t\t\t\t

\n
虚拟的不太行之前开通 AWS 被拒绝了
\n

\n\t\t\t\t

虚拟的我用过 RedotPay，这个卡可以用来撸甲骨文（玩服务器的肯定知道 $\":hugging_face_dizzy_face:\"$

但是这个卡属于预付卡，充值只能用 USDT，每次充值很麻烦，而且走币链要扣一刀的手续费

一些需要保护隐私用来支付的场景用挺好，目前还没有碰到过拒付的情况

\n","createdAt":"2024-10-11 13:42:24.257169","updatedAt":"2024-10-11 13:42:24.257169","replyToPostNumber":32,"replyCount":0,"likeCount":0,"wordCount":128,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":5151,"username":"Soyo34325","name":"Soyo34325","avatarUrl":"/uploads/image/9d/e5/9de500d3afb55c0fe71e319832f2af75532222efe94bd3de9aea21f0f5c55707.avif","admin":false,"moderator":false,"signatureRaw":"ぜーんぶ弾けなーい！","signatureCooked":"

ぜーんぶ弾けなーい！

\n"}}],"hasMore":false,"lastReadPostNumber":24,"hasUrlPostNumber":true}