# Beginner Guides
Futu Moomoo Stock Investing Platform: Exclusive $150 Bonus + $1,000 NVDA + 8.1% APY
Sign up for Moomoo through this site’s exclusive link. If you meet the deposit requirements, you can get up to an exclusive $150 bonus + $1,000 NVDA, earn an ultra-high 8.1% APY on...
Beginner's Guide: How Do U.S. Credit Card Points, Airline Miles, and Hotel Points Work?
U.S. credit card points are far more than just “saving up points to exchange for flights.” What’s the difference between UR, MR, TYP, airline miles, and hotel points? Which setup i...
2026 Complete Guide to U.S. Credit Scores and Credit Reports: How to Understand FICO, the Three Major Credit Bureaus, Hard Pull, and Utilization
A higher credit score isn’t always better, and there’s no need to watch every tiny change every day. This article explains what the U.S. credit system really looks at—from FICO, th...
2026 U.S. Bank Account Guide: How to Choose Between Chase, BofA, Citi, US Bank, and Other Banks
If you’ve just moved to the U.S., the most practical approach is still to first look at which banks are near your home, school, or workplace. Chase, BofA, Wells Fargo, or the very...
Bank Account Opening Bonus Rankings: Fake DD $2,000+ Easily Claimed!
In August, many banks rolled out generous account opening bonuses. Some can be earned through fake deposit methods, which are very easy and don’t tie up your cash, adding up to $2,...
2026 U.S. Credit Card Application Roadmap: From Your First Card to Advanced Users
What really makes a U.S. credit card application roadmap useful is not telling everyone, “What should you apply for as your sixth card?” but helping you understand where you are no...
ENC Mobile U.S. SIM: New users get $15, student discount; long-term use in China!
ENC Mobile now supports both the ENC-A and ENC-T U.S. networks, so you can choose the one that best matches coverage in your area. It also adds ENC-T Unlimited Pro, which costs $50...
Beginner’s Guide: How Do You Use U.S. Credit Cards? Can They Save You Money and Even Earn You Money?
This article is mainly for beginners who are just getting started with U.S. credit cards. We won’t get into dozens of cards yet, and you do not need to master airline miles, hotel...
How to Cut Down on Junk Mail: OptOutPrescreen.com Can Help!
If your home keeps getting credit card, auto loan, and insurance offers marked “Pre-Approved,” “Pre-Selected,” or “Prescreened,” you can opt out of the credit bureaus’ pre-screened...
U.S. Brokerage BBAE: The account-opening bonus threshold has gone up, with up to $650 available; you can sign up with an ID card!
BBAE has updated its user rewards. The threshold for the new-user bonus is now higher, but the $50 bonus available through our channel remains unchanged. Users who signed up earlie...
How to Invest in U.S. Stocks from Mainland China: QDII ETFs, Stock Connect, and U.S. Brokers
Many friends in the U.S. want to help their family members in China invest, or they’ve returned to China long term but still want to buy U.S. stocks. Today we’ll introduce how to i...