Which bank’s credit card is best for traveling to the United States?
1. The best choice is VISA and MasterCard from various banks and UnionPay’s package cards or single-label cards. (Because VISA and MasterCard have the highest penetration rate in the United States.) It is best to choose VISA and MasterCard cards that do not have currency conversion fees, otherwise there will be a currency conversion fee of 1.5. \. It is best to choose VISA and MasterCard cards that have certain cash back when swiping cards overseas (including the United States) to save money. \\ICBC’s Diners Club card is not bad, but there are not many POS machines that support Diners Club lines. If you want to apply for an ICBC credit card, you can choose ICBC's "Global Travel Credit Card", which includes VISA and MasterCard. There is not much difference between the two.
How to use credit cards when traveling to the United States
Bank industry insiders said that the credit card environment in the United States is somewhat different from that in China. If you only have a bank card with the UnionPay logo before traveling to the United States, Then you need to know some knowledge about using cards in advance to avoid unnecessary trouble for yourself; even if you have a credit card with VISA or MasterCard logo, I believe the following content will be helpful to those who come to the United States for the first time.
Currently, merchants in the United States that have accepted UnionPay cards only accept UnionPay debit cards. However, at ATMs in the United States that have accepted UnionPay cards, both debit and credit cards can be used to withdraw cash. However, credit card cash withdrawals require higher cash advance fees. Currently, in accordance with national foreign exchange management regulations, each debit card can withdraw US dollars equivalent to RMB 5,000 per day.
When using a debit card for consumption and withdrawal, the exchange rate is based on the US dollar to RMB selling price of domestic banks on the day of the transaction, which is directly converted into RMB and deducted from the card. In addition, when swiping a debit card for consumption, you only need to enter it when making the purchase, and there is no need to sign the purchase form. Use your debit card to get gifts and cash back at certain merchants.
The card swiping environment in the United States is very different from that in China: most merchants in the United States do not post signs accepting bank cards, but as long as the merchant’s card swiping machine has a keyboard that can be entered, UnionPay debit cards can basically be used; American ATMs As long as there is any UnionPay, PULSE or CitiBank logo on the machine, you can use UnionPay cards to withdraw money, and many ATM machines have been equipped with Chinese operation interfaces; when using ATMs to withdraw money in the United States, in addition to the handling fees charged by the domestic card-issuing bank, , ATM operators in the United States will also charge a certain amount of service fees, but the ATM machines of four banks including Citibank (CITI), PNC Bank, United Bank (UCB), and Chase Bank (CHASE) will not charge this fee ; The operation of American ATM machines is slightly different from that in China. You need to insert the bank card into the card slot and then take it out before the operation interface will appear on the ATM screen. If you do not take it out, you will not be able to operate it.
Currently, there are more than 200,000 ATM machines in the United States that accept UnionPay cards (including debit cards and credit cards) in key tourist cities such as Los Angeles, San Francisco, Hawaii, Las Vegas, New York, and Washington. You can use UnionPay cards to make purchases at merchants and withdraw money from ATMs in other places.
Most of the well-known brand stores and large department stores frequented by Chinese tourists have also accepted UnionPay debit cards, such as GAP, Banana Republic, Ann Taylor, Guess, DFS Galleria duty-free stores, Macy's, Bloomingdales, Nordstrom, Sears, Costco , BarstowOutlets, etc.
Finally, tourists to the United States are reminded that before going to the United States, it is best to apply for a VISA or MasterCard brand credit card with a US dollar account. No matter what, it is the most convenient and convenient to use this kind of credit card for consumption in US dollar countries. The most affordable. In addition, travelers checks launched by American Express are also an option. You can buy them directly from a domestic bank before going abroad.
The 2021 US visa credit card
The 2021 US visa credit card is 16 digits.
Digits 1-6 represent the BINNO of the card issuing bank, digits 7-12 are the serial number of the user's card, and digit 13 can distinguish the primary and secondary cards. If it is 0, it means the primary card, and if it is 1-9, it means the secondary card. The 14th digit represents the date the card statement was issued, the 15th digit represents which card the card is. If it is lost and needs to be reissued, 1 will be added after the card is reissued, and the 16th digit is the verification code.
1. U.S. visa credit in 2021.
The VISA card is embossed with sixteen digits and consists of four groups. The first number is fixed at four. Guangfa Bank VISA True Love Card Gold Card Format: 4063668888888888. China Merchants Bank ELLE co-branded credit card VISA white format: 4392268888888888. Industrial Bank VISA standard dual currency platinum credit card format: 4868618888888888. ICBC VISA Peony Travel Alliance Card Format: 4270308888888888. CCB VISA Dragon Truck Card format: 4367458888888888.
2. The role of credit card security codes
In the early years, credit card security codes were mainly used for overseas website purchases. When shopping on overseas websites, you do not need to provide a password. You only need to provide credit, expiration date and security code to complete the transaction. In recent years, some merchants in China have begun to use security codes instead of passwords for payment. For example, most of JD.com’s online payments for air tickets and hotel reservations also use security codes for transactions.
To sum up, how to prevent the user's credit card security code from being leaked? First of all, when swiping the card outside, be careful not to let others easily see the security code of the user's credit card. If you are afraid that the security code will be leaked, You can use tape to block the security code. Secondly, if you use a credit card security code for online shopping, remember to clear the credit card information automatically saved on the website.
What are the benefits of American Express cards?
1. Travel advantages: American Express cards have advantages in terms of consumption at travel merchants. If your flight is delayed or your luggage is delayed during travel, you can use it with this card. Card users can enjoy or compensate for free, and can make normal purchases at home and abroad. Shopping and consumption at home and abroad are hassle-free. All purchases are settled, recorded and repaid in RMB, which is very convenient.
2. Supermarket cashback: The cashback amount for cardholders when shopping in supermarkets is much higher than that of ordinary card users.
3. Flexibility: If the purchase amount exceeds the card balance, you can directly call the card customer service number to handle it.
1. What is the American Express Card?
1. The American Express Card is a first-class credit card produced in the United States. The card is easy to identify and mainly serves high-end customers. It has been launched for a hundred years. We have cooperated with multiple institutions to jointly issue a variety of credit cards, such as: Peony Express Card, China Merchants Express Card, CITIC American Express Card, Great Wall American Express Card, Minsheng Express Card and other American Express cards.
2. American Express is the first American Express card issued in 1958. So far, American Express has issued Express cards in 49 currencies in 68 countries and regions, building the world's largest self-contained system. Special merchant network and a high-quality cardholder group of more than 60 million.
2. How to apply
You can apply online or at the counter.
1. Online application: The process is simple, convenient and fast, and the card is the fastest. The disadvantage is that the materials provided are limited and the application amount is low. For example, apply for the Ping An American Express Yaohong Card. This is a relatively basic credit card. You can apply directly by providing basic information through official channels. This card is a RMB settlement credit card. Cardholders can use it all over the world. Shopping and consumption at home and abroad are hassle-free. Friends who want to travel abroad do not need to apply for a card. 2. Application at the counter: The process is relatively complicated, and the processing time ranges from 15 working days to 3 months. You can provide more financial proof information when applying, such as personal deposits, real estate, car ownership certificates, etc. For example, if you apply for a platinum credit card or above, you need to provide more information. It is recommended that you go to the bank to consult the specific requirements.
3. The main application conditions for American Express cards are:
1. Be between 18 and 60 years old, have a stable job and a stable source of income.
2. Prove that you have the ability (bank statements) to repay the loan or sufficient collateral (real estate, cars, stocks or securities, etc.).
3. The personal credit record is good and there is no overdue record.
4. Have valid identity proof such as ID card, household register, etc.
Operating environment: Apple 12ios14, Baidu 12.29.5.10
If you want to go to the United States, which bank has better credit cards?
It depends on your use and purpose and consumption habits.
1: Let’s talk about the direction of studying abroad first:
There are two ways:
1. Apply for a credit card in China
Apply with VISA , MasterCard, AE dual-label cards or card sets bound to UnionPay, or pure (all currencies) single-label cards.
It is best to apply for a currency conversion fee exemption, as long as it can save a lot of money transfer fees.
It is best to apply for a currency conversion fee-free card that often offers cashback for overseas card swiping, so that you can save more money.
If you are afraid that you will not be able to apply for a card because you do not have proof of employment, you can ask your parents to apply for the above card and apply for one (or more) supplementary cards at the same time, so that you can use the supplementary card when you go to the United States.
In this way, your parents can also help you repay the money in China, or you can repay the money yourself through online banking or mobile APP operations, which is very convenient, especially now that the channels for repayment through third parties are actually more abundant than in the United States. Convenience, such as Alipay, WeChat, UnionPay wallet, etc. can make repayment convenient and fast.
2. Apply for a credit card in the United States
There are many credit card companies in the United States, with high thresholds and different services;
The United States is very good for credit card companies. The review of credit cards is very strict, because the United States is a credit society, especially applying for the first credit card will be relatively difficult, and the limit will not be very high;
Credit card repayments in the United States are indeed not as good as those in China Credit cards are convenient. Sometimes you have to queue up at the bank or even make an appointment for repayment.
If you plan to stay in the United States in the future, you can try to apply for a credit card in the United States. This will gradually start to build up your credit record, which will be helpful for future settlement and work.
If you plan to return to your country in the future, it is better to use a domestic credit card, especially if your parents apply for an additional card for you. This will not only have a larger limit, but also make it easier for them to help you repay the loan.
2. For travel purposes
Apply for a dual-label card with VISA, MasterCard, AE or a set of cards bound to UnionPay, or a pure (all currencies) single-label card .
1. It is best to apply for a currency conversion fee-free card that often offers cashback for overseas card swiping, so that you can save more money. For example, China Merchants’ full-currency VISA card, MASTERCARD, and AE card.
2. Of course, it also depends on your financial report and asset status. If you meet the requirements, you can apply for a high-end card. High-end cards have many benefits and activities. For example, Pudong Development Bank AE Platinum Card, Pudong Development Bank AE Super Platinum Card (with overseas cashback activities all year round), as well as diamond cards, unlimited cards, etc. from other banks.
Depending on your own needs and hardware.
What bank card should I use when traveling to the United States?
When traveling in the United States, use dual-currency cards, Visa, MasterCard and AmericaExpress.
China UnionPay reminds that it is more convenient and more affordable to use a debit card than a credit card in the United States. When using a debit card for consumption and withdrawal, the exchange rate is the selling price of US dollars to RMB from domestic banks on the day, which is directly converted into RMB and deducted from the card. Therefore, tourists do not need to deposit US dollars before going abroad, but only need to deposit sufficient RMB.
Most banks in the United States have no restrictions on opening a card. A few banks require you to be 17 years old. If you are not old enough, you need to sign a guardian.
To open a US credit card, you need to provide the following information:
1. Passport
2. U.S. F-1 student visa
3. Form I-20
4. Student ID number
5. School admission notice
6. Address, phone number and school
6. Social Security Number (Credit Card)
Extended information:
The difference between US bank card VISA and MasterCard:
The credit cards of each card issuing organization have their own advantages. VISA and Mastercard are both long-established card issuers with strong global influence. VISA is more popular in the United States and Asian countries, while Mastercard has a larger market share in Europe.
When spending overseas, if you go to a non-US dollar area, you can try to use the local currency to settle the bill, and then convert it into RMB for repayment after returning to the local currency. If the settlement is in U.S. dollars, double the currency conversion fee will be charged when converting local currency into U.S. dollars or converting RMB into U.S. dollars.
At the same time, if you can use UnionPay channels for consumption, try to choose UnionPay channels, which can save a lot of currency exchange fees.