{"id":151835,"date":"2018-02-13T08:19:09","date_gmt":"2018-02-13T16:19:09","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=151835"},"modified":"2018-02-13T08:43:08","modified_gmt":"2018-02-13T16:43:08","slug":"%e6%b2%92%e6%9c%89%e4%bf%a1%e7%94%a8%e8%a8%98%e9%8c%84%e4%b9%9f%e5%8f%af%e4%bb%a5%e8%be%a6%e5%88%b0%e4%bf%a1%e7%94%a8%e5%8d%a1","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2018\/02\/13\/%e6%b2%92%e6%9c%89%e4%bf%a1%e7%94%a8%e8%a8%98%e9%8c%84%e4%b9%9f%e5%8f%af%e4%bb%a5%e8%be%a6%e5%88%b0%e4%bf%a1%e7%94%a8%e5%8d%a1\/","title":{"rendered":"\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u4e5f\u53ef\u4ee5\u8fa6\u5230\u4fe1\u7528\u5361"},"content":{"rendered":"<p><span lang=\"ZH-TW\">\u5e74\u8f15\u5230\u53ea\u6709<\/span><span lang=\"EN-US\">18<\/span><span lang=\"ZH-TW\">\u6b72\u7684\u6d88\u8cbb\u8005\u6709\u4e00\u500b\u7533\u8acb\u4fe1\u7528\u7684\u65b0\u65b9\u6cd5\uff0c\u9019\u7a2e\u65b9\u6cd5\u4e0d\u9700\u8981\u4f60\u6295\u5165\u4efb\u4f55\u524d\u671f\u8cbb\u3002<\/span><!--more--><\/p>\n<p><span lang=\"ZH-TW\">\u6b63\u5e38\u60c5\u6cc1\u4e0b\uff0c\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u7533\u8acb\u4fe1\u7528\u662f\u5f88\u56f0\u96e3\u7684\u3002<\/span><\/p>\n<p><span lang=\"EN-US\">Standford MBA<\/span><span lang=\"ZH-TW\">\u5b78\u751f<\/span><span lang=\"EN-US\">Chaitra Yalagabda<\/span><span lang=\"ZH-TW\">\u5f88\u5feb\u5c31\u89aa\u8eab\u9ad4\u9a57\u4e86\u9019\u7a2e\u65b0\u65b9\u6cd5\u3002\u5979\u8aaa\uff1a\u300c\u5118\u7ba1\u6211\u5728\u5370\u5ea6\u6709\u5f88\u597d\u7684\u4fe1\u7528\u8a18\u9304\uff0c\u4f46\u6c92\u6709\u4e00\u5bb6\u5927\u9280\u884c\u7d66\u6211\u63d0\u4f9b\u4fe1\u7528\u5361\u3002\u300d<\/span><\/p>\n<p><span lang=\"EN-US\">Chaitra<\/span><span lang=\"ZH-TW\">\u5728\u5979\u7684\u5bb6\u9109\u5370\u5ea6\u6709\u4e00\u5f35<\/span><span lang=\"EN-US\">American Express<\/span><span lang=\"ZH-TW\">\u5361\uff0c\u4f46\u5728\u7f8e\u570b\u4f7f\u7528\u9019\u5f35\u5361\u610f\u5473\u8457\u5979\u5c07\u4e0d\u5f97\u4e0d\u652f\u4ed8\u4e00\u7b46\u5883\u5916\u4ea4\u6613\u8cbb\u3002<\/span><span lang=\"ZH-TW\">\u9019\u662f\u5979\u627f\u64d4\u4e0d\u8d77\u7684\u3002\u5979\u9084\u662f\u4e00\u500b\u4f9d\u9760\u5b78\u751f\u8cb8\u6b3e\u751f\u6d3b\u7684\u5b78\u751f\u3002<\/span><span lang=\"ZH-TW\">\u5979\u7684\u7d93\u6b77\u8207\u5176\u4ed6\u5728\u7f8e\u570b\u5e7e\u7121\u4fe1\u7528\u7d00\u9304\u5b78\u751f\u7684\u7d93\u6b77\u975e\u5e38\u76f8\u4f3c\u3002<\/span><\/p>\n<p><span lang=\"ZH-TW\">\u300c\u7533\u8acb\u4fe1\u7528\u662f\u4e00\u7a2e<\/span><span lang=\"EN-US\">catch 22<\/span><span lang=\"ZH-TW\">\u60c5\u6cc1\uff0c\u300d<\/span><span lang=\"EN-US\">Kalpesh Kapadia<\/span><span lang=\"ZH-TW\">\u8aaa\u3002\u300c\u5982\u679c\u4f60\u6c92\u6709\u4fe1\u7528\u8a18\u9304\uff0c\u4f60\u5c31\u7533\u8acb\u4e0d\u5230\u4fe1\u7528\u3002\u5982\u679c\u4f60\u7533\u8acb\u4e0d\u5230\u4fe1\u7528\uff0c\u4f60\u5c31\u7121\u6cd5\u5275\u5efa\u4fe1\u7528\u8a18\u9304\u3002\u300d<\/span><\/p>\n<p><span lang=\"ZH-TW\">\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc<\/span><span lang=\"EN-US\">Kalpesh Kapadia<\/span><span lang=\"ZH-TW\">\u5728<\/span><span lang=\"EN-US\">Meno Park<\/span><span lang=\"ZH-TW\">\u5171\u540c\u5275\u8fa6\u516c\u53f8<\/span><span lang=\"EN-US\">Deserve<\/span><span lang=\"ZH-TW\">\u7684\u539f\u56e0\u3002\u9019\u5bb6\u516c\u53f8\u5b9a\u4f4d<\/span><span lang=\"EN-US\">18<\/span><span lang=\"ZH-TW\">\u81f3<\/span><span lang=\"EN-US\">29<\/span><span lang=\"ZH-TW\">\u6b72\u5e74\u8f15\u4eba\u5e02\u5834\uff0c\u7784\u6e96\u8003\u616e\u7d2f\u7a4d\u81ea\u5df1\u4fe1\u7528\u7a4d\u5206\u7684\u5927\u5b78\u751f\u548c\u5e74\u8f15\u5c08\u696d\u4eba\u58eb\u3002<\/span><\/p>\n<p><span lang=\"EN-US\">Deserve<\/span><span lang=\"ZH-TW\">\u57fa\u65bc\u4f60\u7684\u4fe1\u7528\u6f5b\u529b\u800c\u975e\u4f60\u7684\u4fe1\u7528\u8a18\u9304\u6388\u4e88\u4fe1\u7528\u3002<\/span><span lang=\"ZH-TW\">\u4ed6\u8aaa\uff1a\u300c\u6211\u5011\u6b63\u5728\u5c0b\u627e\u7684\u662f\u4f60\u662f\u5426\u6709\u8a02\u95b1\uff0c\u6bd4\u5982\uff0c\u4f60\u6b63\u5728\u70ba\u96fb\u8a71\u5e33\u55ae\u6216<\/span><span lang=\"EN-US\">Netflix<\/span><span lang=\"ZH-TW\">\u4e4b\u985e\u7684\u4e8b\u60c5\u5b9a\u671f\u4ed8\u6b3e\uff0c\u6216\u70ba\u4f60\u5e33\u6236\u4e0a\u4e00\u4e9b\u5176\u4ed6\u8a02\u95b1\u4ed8\u6b3e\u3002\u300d<\/span><span lang=\"EN-US\">Deserve<\/span><span lang=\"ZH-TW\">\u9084\u6703\u8981\u6c42\u7533\u8acb\u4eba\u7d66\u4ed6\u5011\u63d0\u4f9b\u9280\u884c\u5e33\u6236\u7684\u552f\u8b80\u8a31\u53ef\u6b0a\u3002<\/span><\/p>\n<p><span lang=\"EN-US\">Shelly Weber<\/span><span lang=\"ZH-TW\">\u5728\u975e\u76c8\u5229\u91d1\u878d\u6559\u80b2\u5718\u9ad4<\/span><span lang=\"EN-US\">Balance<\/span><span lang=\"ZH-TW\">\u5de5\u4f5c\u3002<\/span><span lang=\"EN-US\">Weber<\/span><span lang=\"ZH-TW\">\u8aaa\uff1a\u300c\u4ed6\u5011\u53ea\u662f\u60f3\u770b\u5230\u4f60\u6c92\u6709\u5728\u958b\u7a7a\u982d\u652f\u7968\u3002\u4f60\u80fd\u5920\u5132\u84c4\u4e00\u4e9b\u9322\uff0c\u4f60\u6709\u4e00\u7b46\u5de5\u8cc7\u81ea\u52d5\u5b58\u5165\u4f60\u7684\u9280\u884c\u5e33\u6236\u3002\u300d<\/span><span lang=\"ZH-TW\">\u5979\u8aaa\uff0c\u5e74\u8f15\u6d88\u8cbb\u8005\u5176\u4ed6\u53ef\u9078\u65b9\u5f0f\u662f\u9810\u4ed8\u4fe1\u7528\u5361\u548c\u53ef\u8f49\u63db\u8cb8\u6b3e\u3002\u5169\u8005\u90fd\u8981\u6c42\u4f60\u5728\u7372\u5f97\u4e00\u5b9a\u91d1\u984d\u7684\u4fe1\u7528\u524d\u5b58\u5165\u7b49\u91cf\u7684\u9322\u3002<\/span><\/p>\n<p><span lang=\"EN-US\">Chaitra<\/span><span lang=\"ZH-TW\">\u5c0d\u6240\u6709\u53ef\u9078\u65b9\u5f0f\u90fd\u9032\u884c\u4e86\u77ad\u89e3\uff0c\u6700\u5f8c\u9078\u64c7\u4e86<\/span><span lang=\"EN-US\">Deserve<\/span><span lang=\"ZH-TW\">\u3002<\/span><span lang=\"ZH-TW\">\u5979\u7372\u5f97\u4e86<\/span><span lang=\"EN-US\">500<\/span><span lang=\"ZH-TW\">\u5143\u4fe1\u7528\u984d\u5ea6\u3002\u5728\u5169\u3001\u4e09\u500b\u6708\u5167\uff0c\u5979\u7684\u4fe1\u7528\u984d\u5ea6\u7ffb\u4e86\u4e00\u500d\u3002<\/span><span lang=\"ZH-TW\">\u7121\u8ad6\u6d88\u8cbb\u8005\u9078\u64c7\u54ea\u7a2e\u65b9\u5f0f\uff0c<\/span><span lang=\"EN-US\">Weber<\/span><span lang=\"ZH-TW\">\u8b66\u544a\u8aaa\u8981\u660e\u667a\u4f7f\u7528\u5b83\u3002<\/span><span lang=\"ZH-TW\">\u300c\u4fe1\u7528\u5361\u662f\u5e6b\u52a9\u5efa\u7acb\u4fe1\u7528\u548c\u7d2f\u7a4d\u5f97\u5206\u3002\u5b83\u4e0d\u662f\u514d\u8cbb\u7684\u9322\uff0c\u300d\u5979\u8b66\u544a\u8aaa\u3002<\/span><\/p>\n<p><span lang=\"EN-US\">Deserve<\/span><span lang=\"ZH-TW\">\u81f3\u5c11\u6709\u4e00\u500b\u7af6\u722d\u8005\u3002<\/span><span lang=\"EN-US\">Petal Card<\/span><span lang=\"ZH-TW\">\u9810\u8a08\u4e0d\u4e45\u5c07\u63a8\u51fa\uff0c\u5b83\u4e5f\u662f\u57fa\u65bc\u4f60\u7684\u4fe1\u7528\u6f5b\u529b\u7d66\u4f60\u4e00\u5f35\u4fe1\u7528\u5361\u3002<\/span><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"business\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1518509949\"\r\n\t            data-title=\"\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u4e5f\u53ef\u4ee5\u8fa6\u5230\u4fe1\u7528\u5361\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u5e74\u8f15\u5230\u53ea\u670918\u6b72\u7684\u6d88\u8cbb\u8005\u6709\u4e00\u500b\u7533\u8acb\u4fe1\u7528\u7684\u65b0\u65b9\u6cd5\uff0c\u9019\u7a2e\u65b9\u6cd5\u4e0d\u9700\u8981\u4f60\u6295\u5165\u4efb\u4f55\u524d\u671f\u8cbb\u3002<\/p>\n","protected":false},"author":1001022,"featured_media":108452,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[609],"tags":[],"series":[],"class_list":["post-151835","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"aioseo_notices":[],"featured_image_urls":{"thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/chip-credit-card-e1461685646890-150x150.jpg","medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/chip-credit-card-e1461685646890-300x189.jpg","large":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/chip-credit-card-e1461685646890-600x378.jpg","single_img":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/chip-credit-card-e1461685646890-150x150.jpg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/chip-credit-card-e1461685646890.jpg","episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"iEVA7ePHEv\"><a href=\"https:\/\/newsforchinese.com\/v3\/2018\/02\/13\/%e6%b2%92%e6%9c%89%e4%bf%a1%e7%94%a8%e8%a8%98%e9%8c%84%e4%b9%9f%e5%8f%af%e4%bb%a5%e8%be%a6%e5%88%b0%e4%bf%a1%e7%94%a8%e5%8d%a1\/\">\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u4e5f\u53ef\u4ee5\u8fa6\u5230\u4fe1\u7528\u5361<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2018\/02\/13\/%e6%b2%92%e6%9c%89%e4%bf%a1%e7%94%a8%e8%a8%98%e9%8c%84%e4%b9%9f%e5%8f%af%e4%bb%a5%e8%be%a6%e5%88%b0%e4%bf%a1%e7%94%a8%e5%8d%a1\/embed\/#?secret=iEVA7ePHEv\" width=\"500\" height=\"350\" title=\"&#8220;\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u4e5f\u53ef\u4ee5\u8fa6\u5230\u4fe1\u7528\u5361&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"iEVA7ePHEv\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/chip-credit-card-e1461685646890.jpg","jetpack-related-posts":[{"id":103793,"url":"https:\/\/newsforchinese.com\/v3\/2015\/06\/17\/%e4%bf%9d%e6%8c%81%e5%ae%8c%e7%be%8e%e4%bf%a1%e7%94%a8%e8%a9%95%e5%88%86%e4%b8%83%e5%a4%a7%e6%b3%95%e5%af%b6\/","url_meta":{"origin":151835,"position":0},"title":"\u4fdd\u6301\u5b8c\u7f8e\u4fe1\u7528\u8a55\u5206\u4e03\u5927\u6cd5\u5bf6","author":"Jean","date":"June 17, 2015","format":false,"excerpt":"\u5728\u7f8e\u570b\uff0c\u300c\u4fe1\u7528\u8a55\u5206\u300d\uff08Credit Score\uff09\u9019\u4e00\u6982\u5ff5\u5e7e\u4e4e\u6ef2\u900f\u5230\u751f\u6d3b\u7684\u65b9\u65b9\u9762\u9762\uff1a\u8cb7\u8eca\u3001\u8cb7\u4fdd\u96aa\u3001\u8fa6\u65b0\u4fe1\u7528\u5361\u6642\u90fd\u9700\u8981\u7528\u5230\u4f60\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u56e0\u6b64\u64c1\u6709\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u5341\u5206\u91cd\u8981\uff0c\u800c\u4e14\u597d\u8655\u591a\u591a - \u5927\u5247\u53ef\u4ee5\u8b93\u4f60\u4eab\u53d7\u4f4e\u8cb8\u6b3e\u5229\u7387\uff0c\u7d30\u5247\u53ef\u4ee5\u5e6b\u4f60\u5728\u4ea4\u6c34\u96fb\u8cbb\u548c\u624b\u6a5f\u8a71\u8cbb\u6642\u7701\u4e0b\u4e00\u7b46\u4fdd\u8b49\u91d1\u3002 \u800c\u9019\u300c\u4fe1\u7528\u8a55\u5206\u300d\u5230\u5e95\u662f\u4ec0\u9ebc\uff1f\u6709\u4ec0\u9ebc\u56e0\u7d20\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\uff0c\u53c8\u6709\u4ec0\u9ebc\u8fa6\u6cd5\u80fd\u5920\u64c1\u6709\u6216\u8005\u4fdd\u6301\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u5462\uff1f\u4ee5\u4e0b\u4e03\u7a2e\u65b9\u6cd5\u6216\u8a31\u80fd\u5e6b\u5230\u4f60\u3002 1. \u4e86\u89e3\u4fe1\u7528\u8a55\u5206\u7684\u7d44\u6210\u8981\u7d20 \u60f3\u8981\u4fdd\u6301\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u7b2c\u4e00\u6b65\u662f\u77e5\u9053\u300c\u4fe1\u7528\u8a55\u5206\u300d\u5230\u5e95\u662f\u600e\u9ebc\u8a55\u51fa\u4f86\u7684\u3002 \u4fe1\u7528\u8a55\u5206\u7531\u4e94\u500b\u8981\u7d20\u7d44\u6210\uff1a15%\u7684\u4fe1\u7528\u6b77\u53f2\uff08Length of Credit History\uff09\uff0c10%\u7684\u4fe1\u7528\u985e\u578b\uff08Types of Credit\uff09\uff0c10%\u7684\u4fe1\u7528\u8aee\u8a62\uff08Credit Inquiries\uff09\uff0c35%\u7684\u652f\u4ed8\u8a18\u9304\uff08Payment History\uff09\u548c\u50b5\u52d9\u6c34\u5e73\uff08level of debt\uff09\u3002 \u4fe1\u7528\u8a55\u5206\u6eff\u5206850\uff0c\u6839\u64damyfico.com\uff0c\u622a\u6b622014\u5e748\u6708\uff0c\u7f8e\u570b\u7684\u5168\u570b\u5e73\u5747\u4fe1\u7528\u8a55\u5206\u662f692\u5206\u3002\u4f46\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u4e26\u4e0d\u662f\u6240\u6709\u6d89\u53ca\u91d1\u878d\u7684\u8981\u7d20\u90fd\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u6bd4\u5982\u652f\u7968\u8cec\u6236\uff08Checking Account\uff09\u7684\u900f\u652f\u548c\u662f\u5426\u5b9a\u671f\u4ea4\u9084\u6c34\u8cbb\u96fb\u8cbb\u4e26\u4e0d\u6703\u5fc5\u7136\u5f71\u97ff\u5230\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002 2. \u6309\u6642\u9084\u6b3e \u6309\u6642\u9084\u6e05\u6240\u6709\u8cec\u55ae -- \u6ce8\u610f\uff0c\u662f\u300c\u6240\u6709\u300d\uff0c\u56e0\u6b64\u9664\u4e86\u6309\u6642\u9084\u4fe1\u7528\u5361\u548c\u9280\u884c\u8cb8\u6b3e\u5916\uff0c\u6c34\u96fb\u8cbb\u548c\u624b\u6a5f\u8cec\u55ae\u7b49\u4e5f\u4e0d\u53ef\u6020\u6162\u3002\u5118\u7ba1\u6709\u4e9b\u9084\u6b3e\u8a18\u9304\uff08\u6bd4\u5982\u5fd8\u7e73\u7684\u90a3\u5e7e\u5206\u9322\u5716\u66f8\u9928\u7f70\u6b3e\uff09\u4e26\u4e0d\u6703\u88ab\u5f81\u4fe1\u6a5f\u69cb\uff08Credit Bureaus\uff09\u8a18\u9304\u5728\u6848\uff0c\u4f46\u4e0d\u6309\u6642\u9084\u6e05\u7684\u8a71\u9019\u4e9b\u8a18\u9304\u9084\u662f\u6703\u51fa\u73fe\u5728\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u3002 \u56e0\u6b64\uff0c\u7121\u8ad6\u662f\u4ec0\u9ebc\u6b3e\u9805\uff0c\u6309\u6642\u9084\u6e05\u90fd\u662f\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u8a55\u5206\u7684\u4e00\u5927\u6cd5\u5bf6\u3002 3. \u4fdd\u6301\u8f03\u4f4e\u7684\u4fe1\u7528\u5361\u9918\u984d \u4fe1\u7528\u5361\u9918\u984d\uff08Balance\uff09\u8d8a\u9ad8\uff0c\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u5c31\u8d8a\u4f4e\u3002\u6700\u597d\u4f60\u7684\u4fe1\u7528\u5361\u9918\u984d\u80fd\u4fdd\u6301\u5728\u4f60\u7684\u4fe1\u7528\u984d\u5ea6\uff08Credit Limit\uff09\u768430%\u4ee5\u5167\uff0c\u4e5f\u5c31\u662f\u8aaa\u5982\u679c\u4f60\u6709\u6bcf\u6708$1,000\u7684\u4fe1\u7528\u984d\u5ea6\uff0c\u9918\u984d\u4e0d\u8d85\u904e$300\u3002 \u5c0d\u5fb5\u4fe1\u6a5f\u69cb\u4f86\u8aaa\uff0c\u9ad8\u9918\u984d\u610f\u5473\u8457\u9ad8\u98a8\u96aa\uff0c\u56e0\u6b64\u5118\u7ba1\u4f60\u6bcf\u6b21\u90fd\u5168\u984d\u9084\u6e05\u7576\u6708\u9918\u984d\uff0c\u767c\u5361\u6a5f\u69cb\u6bcf\u6708\u628a\u4f60\u7684\u9918\u984d\u8cec\u55ae\u4e0a\u4ea4\u5230\u5fb5\u4fe1\u6a5f\u69cb\u6642\uff0c\u8cec\u9762\u4e0a\u7684\u9ad8\u9918\u984d\u9084\u662f\u6703\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002 4. \u7ba1\u7406\u597d\u4f60\u7684\u50b5\u52d9 \u4e0d\u50c5\u4fe1\u7528\u5361\u9918\u984d\uff0c\u8cb8\u6b3e\u9918\u984d\u548c\u4fe1\u7528\u984d\u5ea6\u540c\u6a23\u5f71\u97ff\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u3002\u592a\u591a\u50b5\u6b3e\u6703\u8b93\u9280\u884c\u61f7\u7591\u4f60\u7684\u511f\u9084\u80fd\u529b\uff0c\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u4e5f\u6703\u56e0\u6b64\u53d7\u5f71\u97ff\u3002 5. \u4e0d\u8981\u95dc\u6389\u4f60\u820a\u7684\u4fe1\u7528\u5361 \u7576\u4f60\u95dc\u6389\u4e00\u5f35\u4e0d\u518d\u7528\u6216\u5df2\u6975\u5c11\u4f7f\u7528\u7684\u4fe1\u7528\u5361\uff0c\u767c\u5361\u6a5f\u69cb\u5c31\u6703\u505c\u6b62\u5411\u5fb5\u4fe1\u6a5f\u69cb\u767c\u9001\u6578\u64da\u5831\u544a\uff0c\u540c\u6642\u4f60\u95dc\u6389\u7684\u4fe1\u7528\u5361\u5728\u4f60\u7684\u4fe1\u7528\u8a55\u6e2c\u904e\u7a0b\u4e2d\u7684\u6bd4\u91cd\u4e5f\u6703\u5927\u5927\u6e1b\u5c11\u3002\u5927\u698210\u5e74\u5f8c\uff0c\u5fb5\u4fe1\u6a5f\u69cb\u5c31\u6703\u628a\u4f60\u9019\u5f35\u505c\u7528\u4fe1\u7528\u5361\u7684\u6b77\u53f2\u8a18\u9304\u5f9e\u4f60\u7684\u4fe1\u7528\u5831\u544a\u4e0a\u79fb\u9664\u3002 \u554f\u984c\u5728\u65bc\uff0c\u5982\u679c\u4f60\u95dc\u6389\u7684\u9019\u5f35\u4fe1\u7528\u5361\u4f7f\u7528\u6b77\u53f2\u6bd4\u8f03\u9577\uff0c\u88ab\u79fb\u9664\u540e\u4f60\u7684\u5e73\u5747\u4fe1\u7528\u5e74\u9f61\uff08Credit Age\uff09\u5c31\u6703\u7e2e\u77ed\uff0c\u56e0\u800c\u4f60\u7684\u4fe1\u7528\u8a55\u5206\u4e5f\u6703\u4e0b\u964d\u3002 6. \u9650\u5236\u4f60\u7533\u8acb\u65b0\u5361\u7684\u6578\u91cf \u6bcf\u7533\u8acb\u4e00\u5f35\u65b0\u4fe1\u7528\u5361\u90fd\u6703\u6d88\u8017\u6389\u4f60\u4e00\u5c0f\u90e8\u4efd\u7684\u4fe1\u7528\u8a55\u5206\u3002\u96d6\u7136\u4fe1\u7528\u8aee\u8a62\uff08Credit Inquiries\uff09\u53ea\u4f54\u4fe1\u7528\u8a55\u5206\u768410%\uff0c\u4f46\u5047\u8a2d\u4f60\u6709\u8f03\u9ad8\u7684\u8a55\u5206\uff08800\u5206\uff09\uff0c10%\u4e5f\u53ef\u4ee5\u662f\u4e00\u500b\u9f90\u5927\u6578\u984d\uff08800 x 10% = 80\uff09\u3002\u800c\u4e14\u6bcf\u958b\u4e00\u5f35\u65b0\u5361\uff0c\u4f60\u7684\u5e73\u5747\u4fe1\u7528\u5e74\u9f61\uff08\u5360\u8a55\u520615%\uff09\u5c31\u6703\u76f8\u61c9\u7e2e\u77ed\u3002 \u56e0\u6b64\u70ba\u4fdd\u6301\u826f\u597d\u4fe1\u7528\u8a55\u5206\uff0c\u6700\u597d\u4e0d\u8981\u5728\u77ed\u671f\u5167\u7533\u8acb\u591a\u5f35\u4fe1\u7528\u5361\u3002 7.\u2026","rel":"","context":"In 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670\u5206\u6210\u6700\u4f4e\u9580\u6abb\uff1f","author":"Raymond","date":"September 30, 2018","format":false,"excerpt":"\u5f88\u591a\u79fb\u6c11\u90fd\u77e5\u9053\u4fe1\u7528\u5206\u6578\u5728\u7f8e\u570b\u975e\u5e38\u91cd\u8981\uff0c\u6703\u5f71\u97ff\u8457\u4f60\u8cb7\u623f\u8cb7\u8eca\u751a\u81f3\u627e\u5de5\u4f5c\uff0c\u958b\u516c\u53f8\u7b49\u65b9\u65b9\u9762\u9762\u3002\u4f46\u662f\u570b\u571f\u5b89\u5168\u90e8\u63a8\u51fa\u7684\u65b0\u63d0\u6848\uff0c\u4f7f\u5f97\u500b\u4eba\u4fe1\u7528\u5206\u6578\u66f4\u5177\u201c\u6bba\u50b7\u529b\u201d\uff0c\u56e0\u70ba\u5b83\u5c07\u76f4\u63a5\u5f71\u97ff\u79fb\u6c11\u7533\u8acb\u7da0\u5361\u3002 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