关于 · About

关于 · About

关于 baily.life

Hi，我是 Baily Lu（贝利）。

baily.life 是我从 2023 年开始运营的个人媒体，记录我在旅行、信用卡、酒店积分、航空里程和数字游民生活方式上的探索与实践。

我做什么

到目前为止，我已经走过 22 个国家、69 个城市，亲身使用并评测了北美、亚洲、欧洲的主要信用卡、航司和酒店忠诚计划。我同时也是一名独立开发者，自研并维护：

  • 一个信用卡管理工具，被读者用于追踪自己的卡片组合、年费、福利和最佳消费策略
  • 一个美国地址转运服务，帮助国际读者在申请美国信用卡和接收实体卡时使用
  • 一个 128+ 付费会员的高质量交流社群

我的读者是谁

  • 主要分布在洛杉矶、湾区、纽约、西雅图、波士顿的在美华人：留学生、H1B、绿卡、归化公民
  • 全球移动的中文专业人士：远程工作者、跨境创业者、数字游民
  • 信用资质良好（FICO 700+）、关心积分里程优化、每年新申请 1–3 张卡的活跃用户

我的方法论

  • 亲身使用：我不评测我没刷过的卡、没住过的酒店、没飞过的航班
  • 独立编辑：本站包含 affiliate 链接，但佣金不影响推荐——我会明确披露每一处合作关系
  • 长期主义：我关注每张卡的 3–5 年价值，而不是开卡奖励的一次性数字

在哪里找到我

  • 网站：baily.life
  • YouTube：Baily Says TV
  • Telegram / X / 小红书 / 微信：见首页底部

联系

合作、咨询、读者来信：[email protected]

About baily.life

Hi, I’m Baily Lu.

baily.life is the independent travel, credit card, and digital-nomad publication I’ve been running since 2023. I write in Mandarin Chinese for the Chinese diaspora in the United States and globally mobile Chinese-speaking professionals.

What I do

I’ve personally traveled to 69 destinations across 22 countries, hands-on reviewing the major credit cards, airline programs, and hotel loyalty programs of North America, Asia, and Europe. I’m also an independent builder, and I design and maintain:

  • A credit card management tool used by my readers to track their card portfolios, annual fees, benefits, and optimal spend categories
  • A US address / mail-forwarding service my international readers use when applying for US cards and receiving physical card mail
  • A 128+ paying-member private community

My audience

  • Chinese diaspora in the US — primarily in Los Angeles, the SF Bay Area, NYC, Seattle, and Boston — including international students, H1B holders, green card holders, and naturalized citizens
  • Globally mobile Chinese-speaking professionals: remote workers, cross-border founders, digital nomads
  • Strong credit profiles (FICO 700+), miles/points optimizers, 1–3 new card applications per year

My editorial approach

  • Hands-on only: I don’t review cards I haven’t carried, hotels I haven’t stayed at, or flights I haven’t taken.
  • Independent editorial: This site contains affiliate links, but commissions do not influence recommendations — every partnership is disclosed.
  • Long-horizon analysis: I evaluate cards on 3–5 year value, not just one-time welcome offers.

Contact

Partnerships, press, and reader mail: [email protected]

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