{"id":198818,"date":"2021-03-26T08:34:56","date_gmt":"2021-03-26T15:34:56","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=198818"},"modified":"2021-03-26T08:35:00","modified_gmt":"2021-03-26T15:35:00","slug":"%e7%b4%90%e7%b4%84%e5%b7%9e%e8%aa%aaapple-card%e4%b8%a6%e6%9c%aa%e9%81%95%e5%8f%8d%e5%85%ac%e5%b9%b3%e6%94%be%e8%b2%b8%e6%b3%95","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/03\/26\/%e7%b4%90%e7%b4%84%e5%b7%9e%e8%aa%aaapple-card%e4%b8%a6%e6%9c%aa%e9%81%95%e5%8f%8d%e5%85%ac%e5%b9%b3%e6%94%be%e8%b2%b8%e6%b3%95\/","title":{"rendered":"\u7d10\u7d04\u5dde\u8aaaApple Card\u4e26\u672a\u9055\u53cd\u516c\u5e73\u653e\u8cb8\u6cd5"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u7d10\u7d04\u5dde\u91d1\u878d\u670d\u52d9\u90e8(NYDFS)\u9031\u4e8c(3\/23)\u767c\u8868\u4e00\u4efd\u5831\u544a\uff0c\u6f84\u6e05\u5c0dApple 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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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Mutual\u202f\u5e6b\u52a9\u5bb6\u5ead\u548c\u4f01\u696d\u9054\u6210\u8ca1\u52d9\u4fdd\u969c\u5df2\u6709\u8d85\u904e160\u5e74\u6b77\u53f2\u3002\u901a\u904e\u6574\u9ad4\u6027\u7684\u898f\u5283\u65b9\u5f0f\uff0cNorthwestern Mutual \u7d50\u5408\u5c08\u696d\u7406\u8ca1\u9867\u554f\u7684\u5c08\u9577\u3001\u500b\u4eba\u5316\u7684\u6578\u4f4d\u9ad4\u9a57\u3001\u548c\u9818\u5148\u696d\u754c\u7684\u7522\u54c1\uff0c\u5354\u52a9\u5ba2\u6236\u898f\u5283\u6700\u91cd\u8981\u7684\u4e8b\u52d9\u3002\u7e3d\u8cc7\u75222903\u5104\u7f8e\u5143\uff0c\u6536\u5165299\u5104\u7f8e\u5143\uff0c\u548c\u50f9\u503c\u8d85\u904e1\u842c9000\u5104\u7684\u6709\u6548\u4eba\u58fd\u4fdd\u96aa\u4fdd\u8b77\uff0cNorthwestern Mutual\u70ba\u8d85\u904e460\u842c\u4f9d\u8cf4\u672c\u516c\u53f8\u7684\u58fd\u96aa\u3001\u6b98\u75be\u6536\u5165\u548c\u9577\u671f\u7167\u8b77\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u4e2d\u4ecb\u548c\u9867\u554f\u670d\u52d9\u7684\u6c11\u773e\u63d0\u4f9b\u8ca1\u52d9\u4fdd\u969c\u3002\u672c\u516c\u53f8\u901a\u904e\u8ca1\u52d9\u7ba1\u7406\u548c\u6295\u8cc7\u670d\u52d9\u70ba\u5ba2\u6236\u7ba1\u7406\u7e3d\u984d\u8d85\u904e1610\u5104\u7f8e\u5143\u7684\u8cc7\u7522\u3002Northwestern Mutual\u57282019\u8ca1\u5bcc\u96dc\u8a8c500\u5927\uff08FORTUNE 500\uff09\u516c\u53f8\u4e2d\u540d\u5217111\uff0c\u7372\u8ca1\u5bcc\u96dc\u8a8c\uff08FORTUNE\u00ae\uff09\u8a8d\u53ef\u70ba2020\u5e74\u201c\u5168\u7403\u6700\u53d7\u611b\u6234\u201d\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u4e4b\u4e00\u3002Northwestern Mutual\u4e5f\u7372\u5f97J.D. 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