申请美国签证，银行存款不良，能从其他地区凑足吗？实操经验分享
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">10 年美国签证，相信绝大<span style="color: black;">都数</span>出过国的伙伴们，<span style="color: black;">皆想</span><span style="color: black;">持有</span>，<span style="color: black;">这儿</span>面我就不想<span style="color: black;">负担</span>10年美签为啥好，<span style="color: black;">亦</span>不跟部分人去抬杠，</span><strong style="color: blue;"><span style="color: black;">老胡就简单给<span style="color: black;">大众</span>列举几个理由：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">10年美国签证含金量高的理由：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1、可<span style="color: black;">以避免</span>签去41个国家，<span style="color: black;">尤其</span>南美的。<span style="color: black;">例如</span>：墨西哥、秘鲁、巴拿马....</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2、转机<span style="color: black;">尤其</span>方便，你<span style="color: black;">持有</span>美国签证，世界上坐飞机<span style="color: black;">非常多</span>线路你都<span style="color: black;">能够</span>走。<span style="color: black;">例如</span>，你人在南美，跟中国压根<span style="color: black;">无</span>直飞航班，你乘坐<span style="color: black;">非常多</span>航班都<span style="color: black;">必要</span>经过美国，<span style="color: black;">或</span>南美其他国家。就拿巴拿马<span style="color: black;">来讲</span>，<span style="color: black;">此刻</span>申请个巴拿马签证都3万<span style="color: black;">上下</span>，你有美国签证，你就可<span style="color: black;">以避免</span>签入境进去。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">3、你有美国签证，你申请其他欧美发达国家签证，那基本是手到擒来的事。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">.....</span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/f04c6cce41b3490f95325e0af265399a~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721463623&x-signature=UGjpSaEzTB%2Fnx3hrvpjmbajn8rM%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">ok,之<span style="color: black;">因此</span>美国签证含金量高，<span style="color: black;">然则</span>确实申请<span style="color: black;">需求</span><span style="color: black;">亦</span>高，你的职位，你的工作，你的家庭，你的出入境记录，你的存款.....</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">今天，我就给<span style="color: black;">大众</span>讲讲<span style="color: black;">大众</span>问得比较多的一个问题</span><span style="color: black;">：</span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">“我有银行流水，<span style="color: black;">然则</span>余额<span style="color: black;">不足</span>，<span style="color: black;">此刻</span>我从其他<span style="color: black;">地区</span>转进去<span style="color: black;">是不是</span>可行？”</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">回复<span style="color: black;">大众</span>：</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、怎么说呢？这个问题是一个伪命题，<span style="color: black;">由于</span>美国旅游签证存款<span style="color: black;">需求</span><span style="color: black;">无</span>固定的额度，只是<span style="color: black;">通常</span><span style="color: black;">意见</span>申请人卡里的余额越多越好！（起码你的余额是在5万以上）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、倘若你真的<span style="color: black;">无</span>钱在卡里<span style="color: black;">亦</span>是<span style="color: black;">没关系</span>，签证官会着重看您<span style="color: black;">供给</span>的银行流水账单，银行流水是您收入和支付能力的最好证明。当然<span style="color: black;">倘若</span>您能<span style="color: black;">供给</span>房产、汽车等资产的话就更能证明你的消费能力了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、<span style="color: black;">亦</span>有<span style="color: black;">非常多</span>人把银行卡的钱都转到余额宝<span style="color: black;">或</span>股票、基金上去了，平时消费都用信用卡消费。这种<span style="color: black;">状况</span>，你<span style="color: black;">能够</span><span style="color: black;">供给</span>余额宝的余额和基金资产证明，信用卡方面<span style="color: black;">能够</span>打印消费的流水账单出来证明你的经济能力。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、我能否把其他股票、基金、<span style="color: black;">或</span>其他银行卡钱转到一张卡上？这是完全<span style="color: black;">无</span>问题的，有进有出很正常，赎回基金或买卖股票都是正常的银行流水，不会产生<span style="color: black;">可疑</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">备注：以上做法都是<span style="color: black;">无</span>问题的，合情<span style="color: black;">恰当</span>，<span style="color: black;">大众</span>看完之后，心里就有底了。</span></p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/039fd2bfef6d4e7b8d50007df12548f1~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721463623&x-signature=gF6JxUwWFoGqmlgI3oaVSw7poio%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">下面是不<span style="color: black;">恰当</span>的做法：</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、去支付宝<span style="color: black;">或</span>微粒贷<span style="color: black;">或</span>其他网贷平台，把钱借出来导入自己的银行卡的。这些在银行流水<span style="color: black;">表示</span>都会<span style="color: black;">表示</span>借款<span style="color: black;">或</span>贷款，<span style="color: black;">或</span>从哪里提现，<span style="color: black;">这般</span>你的银行流水就不太好看了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、我能否在信用卡提现到银行卡上，这个<span style="color: black;">亦</span>是不行的，<span style="color: black;">由于</span>这不算流水。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、我能否问人借钱转钱到我卡上，其实这<span style="color: black;">亦</span>不算，<span style="color: black;">由于</span><span style="color: black;">忽然</span>间你一笔大款进入你银行账号，那算<span style="color: black;">反常</span>，银行流水是<span style="color: black;">能够</span>看得出来的。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/e5eb96977f8e4ca69082b1e9c91126a1~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721463623&x-signature=qhGqtAVHSZkgrO6rLz%2FWlYvsHBQ%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;"><span style="color: black;">意见</span>做法：</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、<span style="color: black;">倘若</span>自己存款<span style="color: black;">不足</span>，<span style="color: black;">夫妇</span>之间<span style="color: black;">能够</span>有一方存款够都<span style="color: black;">能够</span>打流水<span style="color: black;">或</span>存款证明；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、<span style="color: black;">倘若</span>自己存款<span style="color: black;">不足</span>，<span style="color: black;">意见</span>先自己挣够余额超过5万以上，并且<span style="color: black;">每一个</span>月银行流水有8000以上；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、<span style="color: black;">倘若</span>自己存款<span style="color: black;">不足</span>，但银行流水是足够的（<span style="color: black;">无</span>8000以上），<span style="color: black;">亦</span>想申请美国签证，<span style="color: black;">亦</span>可申请某宝申请一个店铺，让亲戚<span style="color: black;">或</span><span style="color: black;">伴侣</span>帮忙在那买东西，挣了钱，把钱转入自己银行；（这只是一种<span style="color: black;">办法</span>）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、<span style="color: black;">倘若</span>自己存款<span style="color: black;">不足</span>，银行流水<span style="color: black;">亦</span><span style="color: black;">不足</span>，<span style="color: black;">那样</span><span style="color: black;">意见</span>你先不要申请，提前半年<span style="color: black;">上下</span>绑定一张银行卡<span style="color: black;">或</span>信用卡消费。（买啥都用这张卡消费，并且余额都在5万以上，<span style="color: black;">那样</span>你的 存款证明<span style="color: black;">或</span>银行流水都是<span style="color: black;">无</span>问题的）；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5、<span style="color: black;">倘若</span>存款够，<span style="color: black;">然则</span>银行流水不足，<span style="color: black;">那样</span><span style="color: black;">意见</span>你先把流水搞上去再去申请。（美国签证看银行流水是很重要的，你有稳定的消费，<span style="color: black;">才可</span>证明你有意愿去旅行消费，资本主义<span style="color: black;">便是</span>利字当头）；</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://p3-sign.toutiaoimg.com/tos-cn-i-qvj2lq49k0/6862f2138b124028b0fb12732c80adb6~noop.image?_iz=58558&from=article.pc_detail&lk3s=953192f4&x-expires=1721463623&x-signature=JExtl4vR5aqoqAIKgAKnQD8o5vU%3D" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">本文点评</span></span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1、用<span style="color: black;">公司</span>账户转账和银行代发业务转入你个人银行的，是算做工资流水收入；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2、他人账户转给你，每月的金额是你还款的2倍，算有效的银行流水；（记住最好转账的时候让人备注转账用途）</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">3、疫情间申请美国旅游签证最好你存款要在15万以上是最<span style="color: black;">恰当</span>的，怎么算出来的，到时候老胡会给<span style="color: black;">大众</span>再写一篇<span style="color: black;">文案</span>分享；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">4、总之你<span style="color: black;">倘若</span>要顺利申请到美国签证，<span style="color: black;">那样</span>你半年内银行存款余额都在10万以上（最好15万以上），并且你没月流水都在8000以上；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">5、你或许会问我工资<span style="color: black;">仅有</span>6000，我能否填写10000？我给<span style="color: black;">大众</span>的答复是<span style="color: black;">欠好</span>，其实工资只要稳定就行，你银行流水足够多，余额<span style="color: black;">亦</span>不错，那完全<span style="color: black;">无</span>问题的；（实事求是最好）</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">6、你<span style="color: black;">倘若</span>是自由职业者，收入不稳定，那老胡<span style="color: black;">意见</span>你银行流水上每笔收入等让人填写好转账用途，你自己转账给人<span style="color: black;">亦</span>是；（自己转账给人最好备注是<span style="color: black;">有些</span></span><strong style="color: blue;"><span style="color: black;">消费之类</span></strong>的转账，其他人转账你的最好备注是你的<strong style="color: blue;"><span style="color: black;">劳动所得<span style="color: black;">花费</span></span></strong>）</p>
祝福你、祝你幸福、早日实现等。 这夸赞甜到心里，让我感觉温暖无比。 你的见解真是独到，让我受益良多。 我完全赞同你的观点，思考很有深度。
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