how to apply for a VISA credit card?

the application conditions for p>visa credit cards and ordinary credit cards are exactly the same.

the so-called visa card only adds a supporting credit card institution (Jingxiang says card A). Just like UnionPay, which is common in China, institutions such as visa, MasterCard and JCB are just common card issuers in other countries.

Generally speaking, in Europe and America, more people use visa credit cards, while in Japan, more people use jcb.

visa credit card application materials, like ordinary credit cards, all need your identity certificate, work certificate, property certificate and other materials. As long as you bring all the materials, you can apply to the bank of the credit card you want to apply for. [img]

how to apply for a visa card?

VISA cards can be handled by every bank, and the process is basically the same as that of ordinary credit cards.

1. Procedures

1. Fill in the application form

2. Give your information and a copy to the bank

3. The bank sends it to the credit card center

4. The credit card center conducts audit, business card printing and card issuance

5. After you get the card, open the card and wait to receive the password letter

2. Conditions for applying for a bank credit card

1. Supplementary card applicants must be parents, spouses or children of the principal cardholder, aged between 16 and 65 < P > III. Application materials for bank credit cards:

1. Identification materials < P > Copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of the mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

2. Proof of work and income

Copy of real estate license, copy of automobile driving license, copy of bank loan account (with good credit, overdue for no more than 6 days) or copy of deposit certificate, etc.

Extended information:

VISA card was issued by Visa International in late 1982, and its predecessor, Bank of America, was established in 1959. The American bank card issued in California, USA

was renamed VISA in p>1977 and the first debit card was issued. In 1987, the multi-currency clearing and settlement service was launched, which promoted the efficiency of cross-border payment and settlement

1. The main types of Visa

1. Credit card-Visa provides its financial institution customers with a rich credit card product platform, which can meet various payment needs from new credit card customers to high-end consumers and large institutions. Visa's credit card platform also provides value-added services such as personalized point reward system, emergency replacement card, travel assistance and car rental insurance, which can help card issuers to improve customer loyalty and utilization rate

2. Debit card-Visa provides a wealth of consumer debit card products for consumers with different regions and consumption levels. Visa debit card allows consumers to control the funds in their own accounts by electronic payment, which is more convenient, safer and more flexible than cash and cheque payment. Visa's debit cards are divided into four brands-Visa, VisaElectron, Interlink and PLUS

3, and prepaid cards-and Visa also provides a wide range of prepaid card products, so that financial institutions can provide consumers with prepaid card products that can be recharged. Visa prepaid card solution is a safer and more convenient choice than cash and checks for consumers who have not yet opened an account in the bank.

the government and enterprises use Visa prepaid card products to distribute medical insurance funds, medical subsidies, unemployment benefits, employee salaries and other welfare benefits. Prepaid products better meet the needs of global travelers, and provide them with the unique convenience and security of electronic payment, eliminating the trouble caused by cash and checks.

2. Classification of VISA Cards

1. Visa Puka

The most popular Visa card in the world enjoys convenient, safe and reliable payment services

Visa cards are most recognized and accepted by merchants, and are equally popular online and in the real world

2. Visa gold cards

Whether it is a credit record. Please upgrade your Visa gold card immediately and enjoy the gold standard of superior service

As long as you hold the Visa gold card, you can enjoy the credit limit of more than US$ 5,, revolving credit limit, emergency replacement card service and travel cash expenditure service. Visa gold card holders can also enjoy travel accident insurance, medical and legal services introduction and assistance, and 24-hour free telephone support from Visa Global Emergency Service Center

3. Visa Platinum Card

Visa Platinum Card provides extra-high credit limit, tailor-made tourist reception services and entertainment projects, and $5, travel accident insurance. And a series of fascinating exclusive offers

4. Visa Unlimited Card

Visa Unlimited Card transcends ordinary payment boundaries, providing credit lines that are hard to find elsewhere, unimaginable convenience, tailor-made offers and unparalleled services. Only a few invited people can enjoy the unique status of Visa Unlimited Card

5. Visa Debit Card

Visa Debit Card can pay directly from the bank account. Moreover, the payment record will be listed in the bank statement in detail, making financial management easier and more convenient

6. Visaway card

As long as the Visaway card is close to the card reader, the payment can be completed, and the process is faster, simpler and safer

7. VisaMobile

VisaMobile integrates all the benefits provided by the Visa card into the mobile phone. You can purchase or download coupons, games, music, theater tickets, etc.

8. Visa prepaid cards

Payment options other than cash or checks are convenient and safe. Visa prepaid cards provide a relaxed, convenient and safe way to pay anytime and anywhere, with peace of mind at all times. VisaTravelMoney is a travel prepaid card, which can travel to more than 1.8 million ATMs in more than 2 countries or regions around the world 24 hours a day and withdraw local currency as travel expenses at will.

Baidu Encyclopedia-VISA

How to apply for a credit card when studying in the United States

First, how to apply for a credit card when you arrive in the United States:

Of course, you need good credit when you apply for a credit card when you arrive in the United States, so for foreign students who have just arrived in the United States, you should pay attention to finding a suitable and correct way to apply for a credit card. The following points are for reference only:

1. Before you apply for a card, you should first consult the international counselor, the international student counseling office or the old students, and then consult the banks around the school.

2. During freshmen's enrollment, some banks and credit card companies often take the initiative to go to universities to open accounts and apply for credit cards in order to carry out business. And even after this period, some institutions will continue this preferential policy. This is a good opportunity for students who have no credit history to get credit cards.

But at this time, we should pay attention to the following points: 1. Banks with more outlets and more convenience for depositors should be selected; Second, it should be noted that you should not apply for too many credit cards at this time, because not spending after you apply for a card means that the cardholder's spending power is not strong, and the creditrating or creditscore will be affected. Choose a good one first, and you can add it as needed in the future. It is best for international students to take the initiative to consult the local bank if there is such a policy. If there is, don't miss the opportunity.

3. Most schools will also have various examples of credit card applications for students on the bulletin boards, and the application requirements will also be listed among them, such as: requiring students' ID cards, registration certificates or tuition bills to be attached when applying, and some also require the school registration section to stamp. The greater the strength of the proof, the greater the possibility of passing the audit.

Second, apply for a credit card before going abroad:

Generally, you can apply for a credit card in China first. Common credit cards used for studying abroad are divided into a main card and a secondary card. You can deposit money on the main card and spend money on the secondary card. International credit cards of all banks studying in the United States can be used. You can find a credit card with moderate application amount or low repayment interest rate according to your own situation.

In addition, the bank will provide credit cards with some other services, such as Great Wall International Zhuojuan Card of China Bank (divided into US dollars, euros and pounds), which not only has all the functions of the interest-free period for overdraft consumption of Great Wall International Card provided by the bank, but also obtains consumption points and annual fee reduction for card consumption and cash withdrawal, and enjoys the Chinese service of 24-hour international student inquiry hotline (collect charge), including the telephone number and address of embassy, bank address, business acceptance and car rental. Moreover, most employees of BOC's overseas branches are China employees, so you can ask them if you need help.

The common charging items for credit cards in China are:

Read more related articles:

Annual fee

Charges from international organizations: International cards are automatically converted into various currencies at the instant exchange rate at the time of consumption. This conversion is done by international card organizations such as VISA and Mastercard, and a handling fee of 1% of the consumption amount is charged.

exchange rate discount: most international cards are U.S. dollar cards, so students studying in the United States will not be charged this fee. However, if students want to travel to Australia, they will be charged this fee if they use the U.S. dollar card. In this case, it is best to use the Australian dollar card or the Euro card.

Third, matters needing attention when holding a credit card:

1. Using a credit card in the United States can also get some voluntary services, even additional discounts and guarantees, such as providing shopping guarantee, extending the life of shopping guarantee, travel accident insurance and car rental insurance. The additional services of different credit cards are also different. Credit card companies will send their service manuals with their cards or call the company's customer service hotline for consultation.

2. After starting a credit card, it's best to put the front and back copies of the card in a safe place, and also check whether your credit card is working normally. Because the United States is a country where cards are widely used, card thieves steal other people's identities, use the victim's name to open accounts, and make crazy credit card consumption, which makes the victim bear huge debts. Therefore, we must pay attention to the security of credit cards.

3. If you really find that your identity has been fraudulently used, or your credit card has been lost, you should immediately notify the bank or other relevant institutions to handle procedures such as reporting the loss, so as to reduce the chance that your card will be used by others. And report the case to the police station in time. When reporting the case, it is best to state what happened in the form of words, and attach the fraudulent account, amount and other information. Be sure to keep the report number and provide it to your creditor institution.

in a word, although the use of credit cards has the basic functions of signing accounts and CashAdvance, which provides great convenience for consumers, cardholders should have a correct sense of financial management and budget, understand the services of credit cards, and pay attention to the provisions on fines. Never overspend, because credit cards are also an important source of personal credit in the United States. If you can't maintain a good credit record for a long time, you will eventually become passive. However, if international students can make good use of it and pay high attention to its safety, I believe that credit cards will be of great help to students' study abroad life.

how to apply for a credit card in America

how to apply for a credit card in America? How to apply for a credit card in America?

In studying abroad in the United States, credit card is an indispensable topic. From the discover and freedom, which everyone enjoyed discussing in the United States at first, to the consideration of applying for various airline cards and hotel cards with annual fees. I have used my own credit cards in the United States for almost four years. The commonly used credit cards are ChaseFreedom, SPG(Amex), ChaseSapphire and Discover. Plus UA and AA's frequentflyerprogram.

so before buying something (especially big items), in addition to the offer that Amex often pushes, we mainly buy things with Freedom and Discover within 5%category, and then we will compare the percentages of cashback (here refers to rebate or mileage) of onlineshoppingmall of Chase, Amex, Citi, Discover, UA and AA. Finally, decide which one to choose. Of course, don't forget that we still have Ebates, a website that actually returns cash.

Ebates should be regarded as the largest cashback website in the United States. I quite like to use his home. In addition to the quick cash return, it covers a lot of businesses, which is more than the onlineshoppingmall of major credit card companies and airlines.

Chapter.1 function of credit card (this part is mainly extracted from the most classic credit card introductory post on MITBBS)

1. Buyerprotectionorbuyersecurity

This kind of service means that consumers can request free repair, update or stop payment or refund from the issuing bank with the original shopping receipt in case of accidental damage, loss, theft or fire within 9 days of shopping. On the other hand, consumers are required to submit a notice of claim to the card issuing company within 45 days of loss or damage. If the deadline is ignored, they may lose their rights and interests.

2. ExtendedWarrantyorbuyerasurance

General goods such as TV, computer, etc. are accompanied by the warranty provided by the original manufacturer, which is mostly aimed at free after-sales maintenance service. General stores often encourage consumers to purchase the extended service guarantee provided by the store in addition to the original warranty period. In fact, when you pay by credit card, you can automatically get the extended warranty service provided by the card issuer.

this service means that the original warranty period of the goods with a warranty of less than five years is doubled by the original factory, but the principle of doubling is not more than one year. If the goods are guaranteed for 9 days, the service can be automatically guaranteed to 18 days, but if it is guaranteed for more than two years, it will be extended by one year. Generally, credit cards do not need to be registered in advance. If there is any damage to the goods, as long as the goods are still within the extended warranty period, you can ask the card issuer to repair the products free of charge.

However, AmericanExpress requires consumers to register within 3 days of shopping. If they fail to register after 3 days, even though the goods are still in the original factory warranty period, they cannot be added to this service. Therefore, holders of American Express cards are not allowed.