Guides / 金融指南
Guides / 金融指南
Step-by-step financial roadmap for new immigrants, students, and cross-border business owners.
1
Before Arrival
Prepare passport, school/business documents, U.S. address plan, and banking checklist.
2
First 30 Days
Open checking account, get debit card, set up phone number, rent and utility records.
3
Month 1-3
Apply for secured or student-friendly credit card. Keep utilization low.
4
Month 3-6
Track FICO/credit reports, avoid unnecessary hard inquiries, pay in full.
5
Month 6-12
Upgrade to better cashback/travel card and build long-term credit profile.