TOP10

credit score
Top10 credit score

Fair Isaac CorporationFICO

300-850 ExperianTransUion Equifax
FICO
35%30%
(15%)10%
(10%)

http://www.myfico.com/crediteducation/whatsinyourscore.aspx

50 Macys , Bloomingdales, Target

Gap , Quicksilver

Hard Pull Hard Pull

1000+

 A B

BankAmericard Cash Rewards Credit Card

Bank of America BankAmericard Cash Rewards Credit Card Cashback

Rewards
3%
Grocery Store 2% cashback
1% 90 $500$100
Signing Bonus
SSN
BOA BOA $1000

BOA

BOA
BOA

https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go

1000+

Discover it Cash Credit Card

Discover it Cash Credit Card

Cash Back$1500 5% Cashback
$1500 1% cashback
5% Signing Bonus
Cashback

2% 10%
Discover Apple Pay Discover Card Apple Pay
10% Cashback Cashback 15%
11% 22% 30%
7
Discover Cashback Deal FICO
Visa MasterCard
Discover

https://www.discover.com/credit-cards/

Chase Freedom

1000+

 ChaseChase
Chase Freedom Freedom $100
5% Cash back Freedom
Ultimate Rewards (UR),$500 10000UR
Chase

Freedom Discover it 5%
Freedom AmazonStarbucks
Freedom 5x UR
Freedom 5%
$1500 cash back 1%
Freedom BOA

Chase

https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CFFD2&SPID=FF6T&CELL=6RLJ&MSC=
1510940850

Chase Sapphire Preferred Card (CSP)

1000+

 Chase
Chase

Chase
Must have for any traveller
$4000 40000
Ultimate RewardsUR
Authorized User 5000UR
2x UR 1x UR
UR Freedom
Freedom UR
UA 1.6 cents/point Hyatt
1.8 cents/point40K+5K
$810
Foreign Transaction Feefor traveller

$95

https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CFFD2&SPID=FFWW&CELL=6RLJ&MSC
=1523433518

1000+

Citi Thank You Preferred Card

Citi Thank You preferred card

2% Citi ThankYou PointsCiti ThankYou Points Gift
card 1:1 1 : 1.5 Travel Center
3 $1500 20000 Citi
ThankYou Points

https://www.citi.com/credit-card-details/citi.action?ID=citi-thankyou-credit-card-preferred-card
American Express Blue Cash Everyday Card

AmEx Blue Cash Everyday Card BCE Supermarket Grocery

Grocery Store $6000 3% Cashback

1000+

 1% Department Store 2% Cashback

1% 3 $1000$100
Signing Bonus
Everyday Card Blue Cash

AmEx
Blue Cash Preferred Card BCP
$75 Signing Bonus $150 Grocery
Store $6000 6% Department Store 3%
VIP
AmEx Foreign Transaction Fee American Express
Visa MasterCard

https://www.americanexpress.com/us/credit-cards/blue-cash-everyday/

American Express Everyday Credit Card

AmEx EveryDay Credit CardEC

$1000 10,000 Membership Rewards points
Gift Cards
1.6cent/point 160 2X
1X 2X $6000
20
20% rewards Welcome
bonus

1000+

 30
$95 AmEx Everyday preferred Credit Card
$1000$240 15,000 rewards $6000
3X 1X 2X 1X 30
50%

EDP30 BCPED20 BCE

30/20 EDP/ED
30 BCP

https://www.americanexpress.com/us/credit-cards/amex-everyday

American Express Premier Rewards gold card

American
Express Premier Rewards gold card$2000 25,000 Membership
Rewards 3X Rewards 2X
2X 1X 1.6 cents/point

1000+

 25,000 400 calendar year 100

Credit

https://rewards.americanexpress.com/olet/enroll?campaignId=br5v0615&offerType=afcgoldbr5v000
1
hotel collection 1 1 Credit
75 CreditAmEx
Foreign transaction fee
195
AmEx Everyday
Membership Rewards

https://www.americanexpress.com/us/credit-cards/premier-rewards-gold/

AmEx SPG Chase Hyatt

The Starwood Preferred Guest Credit Card from American Express) SPG
$95 Starwood
Preferred Guest Sheraton, Westin, W Hotels

1000+


SPG 25K $3000 25000 StarpointsSPG
AA 2 cents/point 20000points
5000points SPG 2.4 cents/point
$30000 SPG Gold

SPG

https://www.americanexpress.com/us/credit-cards/personal-card-application/starwood-preferred-cr
edit-card/49002-750-0-9235436D4B1AF78E95CF71067BBCF774F630B68437904BAA-200002-Lq5Bjj7
UhZDBgV+bvS5HY3Vbcl4=?csi=starwood-preferred-credit-card/49002-750-0-9235436D4B1AF78E95C
F71067BBCF774F630B68437904BAA-200002-Lq5Bjj7UhZDBgV+bvS5HY3Vbcl4=&om_rid=NtRNoM&o
m_mid=_BV5SLAB859vguy&om_lid=axp5

Chase Hyatt$75
$1000 2 free nights$50 Authorized User
5000 Hyatt PointsHyatt 2FN
$500+

1000+

 Hyatt

Hyatt 3x Hyatt Points

2x points 1x$75

https://applynow.chase.com/FlexAppWeb/renderApp.do?SPID=FDZF&CELL=6H90&PROMO=DF01

outlets

http://www.ccb.com/cn/html1/office/xyk/subject/15/0617xffx/fanxian1.html/
6 600 / 6%

1000+

 360

http://creditcard.ccb.com/creditCard/student.html

ATM 0
100 5 5%
50

http://www.boc.cn/bcservice/bc1/201404/t20140403_3136411.html

credit score 1
discover FICO
discover it
30-90

1000+

1. www.annualcreditreport.com

2. http://www.creditkarma.com/
FICO FAKO CreditKarma

365 Soft Pull Hard Pull

3. http://www.creditsesame.com/
Credit sesame credit karma Experian
ExperianEquifax TransUnion

4. http://www.bankrate.com/finance/credit/quiz-millennials-credit-score.aspx
BankRate

Dear mentor

1000+