LetITFly News

LetITFly News

对非中美金融问题的免责和排除声明（也包括在美国和中国均不合规的数字货币卡） Disclaimer and Exclusion about non-US and non-China Financial Issues, including Cryptocurrency Payment Cards (unless explicitly compliant within the U.S. or China) 也就是说，哪怕初次摸真枪，频道主也能回去顺便检索外籍人合规相关的内容，美国的边边角角都对理解合法和灰色偏…

中国大陆境外付款卡入门前免责声明/注意事项系列
Disclaimers and Tips for New Users of International Payment Cards issued outside of Mainland China

1）大额入金境外 Disclaimer：换汇也要考虑这笔钱也许最终在哪里花，然后大额转出最好先确认将来无需全额或者大部分换回内地。汇率风险不多说，内地不喜欢投资收益用途也是要考量的因素。
Large Overseas Fund Transfers Disclaimer: When exchanging currency, consider carefully where you ultimately intend to spend the funds. For substantial transfers abroad, it's wise to confirm beforehand that you won't later need to convert the entire or most of the amount back to Mainland China. Exchange rate risks are self-evident, and it's also important to remember Mainland China's restrictions on investment-related uses of foreign currency.

鉴于如今一些无 FTF 的外卡在内地消费和取现的便利性，偶尔小额中额的刷卡和取现倒是可以放心进行。
Given the convenience of certain foreign credit cards without foreign transaction fees (FTF) for spending and cash withdrawals in Mainland China, occasional small to medium-sized transactions and cash withdrawals can generally be conducted without concern. 

2）别把白钱变黑钱 Disclaimer：盲目接触 c2c 数字货币场外交易、地下钱庄和陌生人对敲有可能遇到中式反诈，美式 dispute 或者在第三国遇到类似监管困境。
Avoid Converting Legitimate Funds into Illicit Funds Disclaimer: Blindly engaging in C2C cryptocurrency over-the-counter (OTC) trades, underground banking, or matching transactions with strangers could expose you to issues such as Chinese anti-fraud enforcement, U.S.-style disputes, or similar regulatory complications in third countries. 

接近购汇额度的大额单笔汇款，本人和直系亲属一口气直接电汇永远是最妥当的，符合内地外汇政策，也最容易被目标国家认可。
For large remittances close to your annual foreign exchange quota, direct wire transfers made by yourself or immediate family members are always safest. This approach aligns with Mainland China’s foreign exchange policies and is most likely to be accepted in your target country. 

深港地铁速汇（CNY Cash）和美国刷银联卡买 Money Order 行得通，和知根知底的线下伙伴或者群友适量对敲也许也是行得通的。而和唐人街中餐馆老板对敲明摆着可能涉及协助对方脱逃美国税务。
Methods such as Shenzhen-Hong Kong metro express remittances (CNY Cash) and using UnionPay cards in the U.S. to purchase Money Orders are viable. Additionally, small-scale matching transactions with trusted offline acquaintances or group friends may also be feasible. However, engaging in matching transactions with Chinatown restaurant owners could inadvertently involve assisting in evading U.S. taxes. 

3）云开美卡 Disclaimer：长期来看，不建议十五年内不打算赴美（短期旅游也可）的人盲目开始美卡的旅途哦。也就是说，飞飞认为最佳情况是五年左右考虑办个美签哈。
Opening U.S. Credit Cards Remotely Disclaimer: In the long run, it is not recommended for individuals who don't intend to travel to the U.S. within the next fifteen years (short-term tourism besides) to blindly embark on the journey of obtaining a U.S. credit card or bank account remotely. Ideally, FlyFly suggests considering obtaining a U.S. visa around the five-year mark.

如果明确知悉云美卡本质上在合理的假装干嘛，也知悉十五年内不打算赴美的最坏风险，那当我啥没说也没问题。反正飞飞大部分时候是以线下视角反推云群友能放心的干啥。
However, if you clearly understand that obtaining a U.S. credit card or bank account remotely essentially involves reasonable pretense, and fully acknowledge the worst risks associated with not planning to visit the U.S. within fifteen years, feel free to disregard this advice. FlyFly generally adopts an in-person perspective to infer what online community members can comfortably do remotely from Mainland China.

4）港卡 Disclaimer：飞飞承认只要不考虑 OpenAI 订阅，港卡也是间接的美卡，毕竟港卡至今可以无痛入金 IBKR 和 Wise，不是吗？深圳户口和深圳居住证甚至可以地铁速汇人民币 cash，香的很。
Hong Kong Cards Disclaimer: FlyFly acknowledges that, apart from OpenAI subscriptions, Hong Kong cards function indirectly like U.S. credit cards. After all, Hong Kong cards still allow hassle-free deposits into IBKR and Wise, right? Moreover, Shenzhen residency or residence permits even enable convenient metro express remittances in RMB cash, which is highly attractive.

对于没有短期内出国计划的朋友，假如不 Base 大湾区，那么，在下次去大湾区旅游观光之余考虑预留几天时间办卡即可。
For those without immediate international travel plans and who do not reside in the Greater Bay Area, consider reserving a few extra days on your next tourist trip to the Greater Bay Area to obtain a Hong Kong card.

www.tg-me.com/us/LetITFly News/com.LetITFlyW/10942

2.2K viewsLetITFly 让技术飞, Apr 20 at 08:43

中国大陆境外付款卡入门前免责声明/注意事项系列
Disclaimers and Tips for New Users of International Payment Cards issued outside of Mainland China

1）大额入金境外 Disclaimer：换汇也要考虑这笔钱也许最终在哪里花，然后大额转出最好先确认将来无需全额或者大部分换回内地。汇率风险不多说，内地不喜欢投资收益用途也是要考量的因素。
Large Overseas Fund Transfers Disclaimer: When exchanging currency, consider carefully where you ultimately intend to spend the funds. For substantial transfers abroad, it's wise to confirm beforehand that you won't later need to convert the entire or most of the amount back to Mainland China. Exchange rate risks are self-evident, and it's also important to remember Mainland China's restrictions on investment-related uses of foreign currency.

鉴于如今一些无 FTF 的外卡在内地消费和取现的便利性，偶尔小额中额的刷卡和取现倒是可以放心进行。
Given the convenience of certain foreign credit cards without foreign transaction fees (FTF) for spending and cash withdrawals in Mainland China, occasional small to medium-sized transactions and cash withdrawals can generally be conducted without concern. 

2）别把白钱变黑钱 Disclaimer：盲目接触 c2c 数字货币场外交易、地下钱庄和陌生人对敲有可能遇到中式反诈，美式 dispute 或者在第三国遇到类似监管困境。
Avoid Converting Legitimate Funds into Illicit Funds Disclaimer: Blindly engaging in C2C cryptocurrency over-the-counter (OTC) trades, underground banking, or matching transactions with strangers could expose you to issues such as Chinese anti-fraud enforcement, U.S.-style disputes, or similar regulatory complications in third countries. 

接近购汇额度的大额单笔汇款，本人和直系亲属一口气直接电汇永远是最妥当的，符合内地外汇政策，也最容易被目标国家认可。
For large remittances close to your annual foreign exchange quota, direct wire transfers made by yourself or immediate family members are always safest. This approach aligns with Mainland China’s foreign exchange policies and is most likely to be accepted in your target country. 

深港地铁速汇（CNY Cash）和美国刷银联卡买 Money Order 行得通，和知根知底的线下伙伴或者群友适量对敲也许也是行得通的。而和唐人街中餐馆老板对敲明摆着可能涉及协助对方脱逃美国税务。
Methods such as Shenzhen-Hong Kong metro express remittances (CNY Cash) and using UnionPay cards in the U.S. to purchase Money Orders are viable. Additionally, small-scale matching transactions with trusted offline acquaintances or group friends may also be feasible. However, engaging in matching transactions with Chinatown restaurant owners could inadvertently involve assisting in evading U.S. taxes. 

3）云开美卡 Disclaimer：长期来看，不建议十五年内不打算赴美（短期旅游也可）的人盲目开始美卡的旅途哦。也就是说，飞飞认为最佳情况是五年左右考虑办个美签哈。
Opening U.S. Credit Cards Remotely Disclaimer: In the long run, it is not recommended for individuals who don't intend to travel to the U.S. within the next fifteen years (short-term tourism besides) to blindly embark on the journey of obtaining a U.S. credit card or bank account remotely. Ideally, FlyFly suggests considering obtaining a U.S. visa around the five-year mark.

如果明确知悉云美卡本质上在合理的假装干嘛，也知悉十五年内不打算赴美的最坏风险，那当我啥没说也没问题。反正飞飞大部分时候是以线下视角反推云群友能放心的干啥。
However, if you clearly understand that obtaining a U.S. credit card or bank account remotely essentially involves reasonable pretense, and fully acknowledge the worst risks associated with not planning to visit the U.S. within fifteen years, feel free to disregard this advice. FlyFly generally adopts an in-person perspective to infer what online community members can comfortably do remotely from Mainland China.

4）港卡 Disclaimer：飞飞承认只要不考虑 OpenAI 订阅，港卡也是间接的美卡，毕竟港卡至今可以无痛入金 IBKR 和 Wise，不是吗？深圳户口和深圳居住证甚至可以地铁速汇人民币 cash，香的很。
Hong Kong Cards Disclaimer: FlyFly acknowledges that, apart from OpenAI subscriptions, Hong Kong cards function indirectly like U.S. credit cards. After all, Hong Kong cards still allow hassle-free deposits into IBKR and Wise, right? Moreover, Shenzhen residency or residence permits even enable convenient metro express remittances in RMB cash, which is highly attractive.

对于没有短期内出国计划的朋友，假如不 Base 大湾区，那么，在下次去大湾区旅游观光之余考虑预留几天时间办卡即可。
For those without immediate international travel plans and who do not reside in the Greater Bay Area, consider reserving a few extra days on your next tourist trip to the Greater Bay Area to obtain a Hong Kong card.

BY LetITFly News