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毕业后回国工作并保留使用美国信用卡的计划与潜在风险探讨

我今年毕业后计划回国工作,并打算长期保留并使用美国信用卡(简称“美卡”)。我的计划如下: 在国内长期保留Bank of America的checking账户,账户中有留学期间的积蓄,用于支付美卡账单。 利用自己的社会安全号码(SSN)和朋友在美国的地址申请新的美卡。 将美卡绑定到微信支付,以完成开卡消费,并利用香港出差的机会使用美卡进行消费。 目标是每年获得几张信用卡的开卡奖励,并长期保留像Aspire这样的负年费信用卡。 我想咨询的是,这样的操作是否存在潜在风险,例如银行关闭我的checking账户,或者像Chase这样的银行采取严格措施关闭所有账户(通常称为“杀全家”)?此外,如果所有信用卡消费都通过微信支付显示,这会有问题吗?
发布于 2024/09/11 huke1****@gma**.com

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