{"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":287,"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"}}],"hasMore":true,"lastReadPostNumber":9,"hasUrlPostNumber":true}