致各位：既然选了 Telegram，那就不选微信。

同时➕Telegram 和微信需要和我非常熟悉，甚至可能需要线下面基过哈。

例外是截至目前（5/23/26）加过我微信的老哥如果某天在 Telegram 翻到本频道，可以在我的微信联系关于 Telegram 的私聊方式。

Exception is only vaild for indiduals who became my WeChat friend BEFORE this channel is created(5/23/26). He or she needs to find this channel by themselves.

即日起微信几乎不加人了，或者换句话说，我和谁在小红书交换微信，反而说明 Ta 大概率无缘这里（

For English speakers: our contents are mainly for mainland Chinese individuals such as the credit card approval data point, then U.S. citizens and green card holders may found they can obtain these much easier than tourists, new students and workers. For most non-Credit topic, the immigration status is not matter at most times.

对大部分英文读者而言，我们的关于信用卡批准案例的信息可能不那么适用，大部分公民和绿卡持有者会发现申请到这些东西非常简单容易。对于信用卡批准案例以外的大部分信息而言，持有何种移民身份并不重要。

本频道会在需要时发表今后的小红书笔记的未删减/没有基于审核调整的原稿。
This channel will produce original version of my new rednote post as needed, because sometimes I need to edit even delete something in order to get everyone access to the basic content at rednote.

转载 Telegram 上其他频道的消息（如 @encmasuta @LetITFlyW ）的小红书笔记不包括在内。
Notes which screenshoted from another channel such as @encmasuta and @LetITFlyW at Telegram are not included.

本频道在需要时也全文转载备份博主认为有价值的美卡 DP。
This channel will forward and backup the U.S. Credit Card data point as needed.

接下来的内容不做特别翻译，如果阅读简体中文有困难，你可以使用各种机器翻译软件甚至大语言模型。
The content that follows has not been specially translated. If you encounter difficulties reading Simplified Chinese, you may utilize various machine translation tools—or even large language models—to assist you.

建议有条件持续访问 Telegram 的朋友用频道私聊替代小红书私信哦，小红书有时候会吞消息、但是看似发送成功了。

Schwab 和 Fidelity 倒是 NRA 能开，且开且珍惜
*本条截图分享被小红书屏蔽

https://forum.letitfly.me/t/topic/21