# Beginner Guides
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 increased, with up to $650 available; you can sign up with just 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...
Privacy.com Introduction: Get $5 for Signing Up; Free Virtual Credit Cards
Privacy.com is a virtual card service that lets you generate separate card numbers for different merchants and set spending limits per transaction, per day, per month, per year, or...
Robinhood Stock Account Introduction: Get $5-$200 in Stock When You Open an Account
Open a Robinhood account through the link below, and you can get a stock reward worth $5-$200. The reward can be used to buy shares or fractional shares of the 26 companies offered...
U.S. Credit Card Recommendations and Comparisons: How to Choose for Travel, Dining, Groceries, Hotels, and Everyday Spending
Everyone has different needs when it comes to credit cards. This article rounds up the best credit cards for different spending categories and different types of cardholders. You c...
OKX Crypto Platform Guide: $500 Bonus, Higher Requirements; Up to 9.1% APY
The signup bonus has increased to $500, likely an all-time high. Too bad the requirements are higher now. If you sign up through the link below, you can still enjoy a permanent 10%...
TenPayGo: A Simple, Smooth Way to Use US Credit Cards for QR-Code Payments in China, with Bonus Earning Potential
Last month, I tested US Bank Altitude Rewards, BofA Alaska Summit, and Chase Sapphire Reserve with TenPayGo + Apple Pay, and all of them triggered 3x bonus earnings. If you have an...
7 Tips to Help You Get the All-Time Highest 100,000-Point Welcome Bonus on the Chase Sapphire Preferred!
This 100,000 offer is about to expire at the end of the month, so move fast! Here’s another useful timing trick. Some people end up getting hit with a 524 only after the 100,000 si...
Teach a man to fish: how can phones in the U.S. be free every year?
In the U.S., the T-Mobile refer/KS/rebates trio can let you buy an iPhone for not just $0, but even come out ahead. Of course, phones in the U.S. are not free out of thin air. What...
