我们很多人都会为了高额开卡奖励而开一堆年费卡，然而年费该来总是要来的，这个时候如果把这些卡都给关了对信用记录实在是个损伤。好在银行为了挽留客户，一般都提供转卡/降级的选项：我们可以把年费卡转为很废柴（偶尔有很好用的）的无年费卡，无需 Hard Pull，这样就可以保留这张卡的信用历史，而且跟银行保持好关系了！即使转卡没有奖励可拿而且转出来的卡可能特别废柴以至于只能扔抽屉，但是各方面来看也比关卡要强… Read more
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